Property Atlas

County hazard profile

Cumberland, NC

North Carolina · pop. 334,379 · FIPS 37051

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$90M
modeled expected annual loss/yr

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

lower than most counties (28th percentile)

national median $15M/yr Cumberland $90M

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 89.47/100
national median ~50 higher than 89% of counties
Social vulnerabilityRelatively Low 23.16/100
national median ~50 among the lowest nationally
Community resilienceRelatively Low 25.57/100
national median ~50 lower than most counties (26th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cumberland

The National Flood Insurance Program has paid 825 flood-insurance claims totaling $24.8M in Cumberland since 1978. The costliest year was 2016 ($17.1M paid).

Flood-insurance dollars paid by year of loss

1978: $1,502 paid 1979: $0 paid 1980: $1,915 paid 1983: $3,357 paid 1984: $4,160 paid 1985: $1,355 paid 1986: $100 paid 1987: $25,414 paid 1989: $649,206 paid 1990: $0 paid 1991: $3,443 paid 1992: $22,111 paid 1993: $4,007 paid 1994: $0 paid 1995: $53,370 paid 1996: $73,008 paid 1998: $19,889 paid 1999: $27,345 paid 2000: $0 paid 2001: $6,248 paid 2002: $1,964 paid 2003: $181,470 paid 2005: $15,127 paid 2006: $22,345 paid 2008: $127,828 paid 2009: $12,995 paid 2010: $33,493 paid 2011: $0 paid 2012: $29,511 paid 2013: $33,837 paid 2014: $667,396 paid 2015: $1,653 paid 2016: $17,070,418 paid 2017: $32,650 paid 2018: $4,895,826 paid 2019: $4,369 paid 2020: $309,614 paid 2021: $34,768 paid 2022: $4,566 paid 2023: $115,526 paid 2024: $294,326 paid 2025: $0 paid 2026: $8,746 paid 2016 · $17.1M 1978 2026
$24.8M
total paid
$30,054
average claim
$551K
largest single claim
39%
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 Cumberland, NC and where it ranks among U.S. counties. It is not a verdict on whether Cumberland 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.