Property Atlas

County hazard profile

Currituck, NC

North Carolina · pop. 28,088 · FIPS 37053

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$11M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Currituck $11M

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 indexVery Low 18.07/100
national median ~50 among the lowest nationally
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 85.43/100
national median ~50 higher than 85% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Currituck

The National Flood Insurance Program has paid 2,006 flood-insurance claims totaling $22.0M in Currituck since 1978. The costliest year was 2016 ($6.7M paid).

Flood-insurance dollars paid by year of loss

1978: $1,412 paid 1979: $27 paid 1985: $0 paid 1987: $0 paid 1989: $548 paid 1991: $5,604 paid 1992: $9,425 paid 1993: $169,059 paid 1994: $0 paid 1995: $0 paid 1996: $145,266 paid 1998: $110,776 paid 1999: $340,484 paid 2000: $7,955 paid 2001: $0 paid 2002: $6,989 paid 2003: $279,988 paid 2004: $105,729 paid 2005: $8,047 paid 2006: $6,278,210 paid 2007: $6,326 paid 2008: $22,313 paid 2009: $410,014 paid 2010: $588,986 paid 2011: $2,560,918 paid 2012: $199,833 paid 2013: $0 paid 2014: $15,632 paid 2015: $759,445 paid 2016: $6,726,369 paid 2017: $41,872 paid 2018: $1,374,142 paid 2019: $708,602 paid 2020: $85,045 paid 2021: $66,729 paid 2022: $81,272 paid 2023: $85,082 paid 2024: $734,302 paid 2025: $39,619 paid 2026: $0 paid 2016 · $6.7M 1978 2026
$22.0M
total paid
$10,955
average claim
$184K
largest single claim
41%
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 Currituck, NC and where it ranks among U.S. counties. It is not a verdict on whether Currituck 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.