Property Atlas

County hazard profile

Beaufort, NC

North Carolina · pop. 44,607 · FIPS 37013

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$54M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Beaufort $54M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 88.17/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively High 78.05/100
national median ~50 higher than 78% of counties
Community resilienceRelatively Moderate 55.63/100
national median ~50 near the national middle (56th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Beaufort

The National Flood Insurance Program has paid 9,460 flood-insurance claims totaling $131.5M in Beaufort since 1978. The costliest year was 2011 ($40.9M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $476 paid 1980: $0 paid 1982: $2,880 paid 1983: $907 paid 1984: $0 paid 1985: $169,781 paid 1987: $304 paid 1989: $15,786 paid 1991: $0 paid 1992: $5,341 paid 1993: $12,945 paid 1994: $0 paid 1995: $0 paid 1996: $17,508,323 paid 1997: $23,759 paid 1998: $9,209,257 paid 1999: $27,136,361 paid 2000: $93,638 paid 2001: $49,768 paid 2002: $0 paid 2003: $5,315,710 paid 2004: $0 paid 2005: $985,841 paid 2006: $398,914 paid 2008: $62,452 paid 2009: $141,347 paid 2010: $1,419,151 paid 2011: $40,923,207 paid 2012: $2,062 paid 2013: $13,105 paid 2014: $96,448 paid 2015: $133,261 paid 2016: $2,448,656 paid 2017: $41,209 paid 2018: $23,912,752 paid 2019: $53,328 paid 2020: $129,378 paid 2021: $12,603 paid 2022: $51,284 paid 2023: $1,012,329 paid 2024: $31,724 paid 2025: $43,263 paid 2011 · $40.9M 1978 2025
$131.5M
total paid
$13,896
average claim
$469K
largest single claim
92%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Beaufort, NC and where it ranks among U.S. counties. It is not a verdict on whether Beaufort is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.