---
title: Cabarrus, NC — natural hazard risk profile & national ranking
source: FEMA National Risk Index (county-level)
sourceUrl: https://hazards.fema.gov/nri/
fips: 37025
---

# Cabarrus, NC

North Carolina · pop. 225,772 · FIPS 37025

**FEMA risk rating: Relatively Moderate** · dominant hazard: Ice Storm · modeled expected annual loss $86M/yr

These risk dimensions are FEMA/CDC MODELS (a rating, not records of disasters); population is a recorded census figure.

## Where Cabarrus ranks among 3,232 U.S. counties

Each rank is COMPUTED — the county's modeled score placed within the national distribution. A rank within a model, not within observed disasters.

| Dimension | This county | National rank |
| --- | --- | --- |
| FEMA risk index | 87.05 | ≈ 87th pct — higher than 87% of counties (national median 50.02, n=3,144) |
| Expected annual loss | $86M | ≈ 26th pct — lower than most counties (26th percentile) (national median $15M, n=3,232) |
| Social vulnerability | 12.18 | ≈ 6th pct — among the lowest nationally (national median 50.03, n=3,144) |
| Community resilience | 68.16 | ≈ 68th pct — near the national middle (68th percentile) (national median 50.02, n=3,144) |

## Realized flood losses in Cabarrus (RECORDED — NFIP claims)

The National Flood Insurance Program has paid **240** flood-insurance claims totaling **$5M** in Cabarrus since 1982. The costliest year of loss was **2008** ($2M paid).

| Metric | Value |
| --- | --- |
| Total claims paid | $5,414,799 |
| Claims | 240 |
| Average claim | $22,562 |
| Largest single claim | $350,000 |
| Claims since 2000 | 198 |
| In high-risk flood zones (A/V) | 65% |

These are **RECORDED** actual paid NFIP claims (a redacted census from OpenFEMA), not a model — the realized counterpart to the FEMA risk score above. **Scope:** flood-*insurance* claims UNDERCOUNT flooding where owners were uninsured ("what NFIP paid," not "every flood"); county-level totals, not a per-property verdict. Source: OpenFEMA NFIP Redacted Claims v2 (`src:openfema:nfip-claims-v2:2026`). Verify an address and buy coverage at https://www.floodsmart.gov/.

## What this is — and is NOT (interpretation)

This is FEMA/CDC **modeled** hazard exposure for Cabarrus, NC and its national rank. It is **not** a verdict on whether Cabarrus is a good or bad place to live (hazard exposure is not place quality), **not** a per-property or per-address assessment, **not** a prediction of any specific disaster, and **not** insurance advice. For site-specific risk use a per-property assessment; for the model see https://hazards.fema.gov/nri/.

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Structured data (JSON-LD), with each figure's status labeled: `/property/counties/37025.jsonld`