Property Atlas

County hazard profile

Dare, NC

North Carolina · pop. 36,860 · FIPS 37055

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$81M
modeled expected annual loss/yr

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

lower than most counties (25th percentile)

national median $15M/yr Dare $81M

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 89.6/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 45.2/100
national median ~50 near the national middle (45th percentile)
Community resilienceVery High 99.9/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Dare

The National Flood Insurance Program has paid 18,930 flood-insurance claims totaling $230.6M in Dare since 1978. The costliest year was 2011 ($47.5M paid).

Flood-insurance dollars paid by year of loss

1978: $3,305 paid 1979: $0 paid 1980: $190,730 paid 1981: $95,082 paid 1982: $99,466 paid 1983: $257,176 paid 1984: $19,716 paid 1985: $696,199 paid 1986: $26,646 paid 1987: $243,752 paid 1988: $618,793 paid 1989: $4,277,998 paid 1990: $120,789 paid 1991: $8,220,141 paid 1992: $1,436,146 paid 1993: $16,109,183 paid 1994: $1,415,987 paid 1995: $2,227,860 paid 1996: $149,642 paid 1997: $47,658 paid 1998: $1,393,560 paid 1999: $7,154,960 paid 2000: $275,768 paid 2001: $126,409 paid 2002: $402,209 paid 2003: $46,670,112 paid 2004: $2,964,256 paid 2005: $733,016 paid 2006: $3,008,704 paid 2007: $158,435 paid 2008: $1,157,040 paid 2009: $4,325,718 paid 2010: $1,192,707 paid 2011: $47,518,396 paid 2012: $11,079,355 paid 2013: $331,046 paid 2014: $3,173,464 paid 2015: $347,827 paid 2016: $28,032,264 paid 2017: $280,295 paid 2018: $6,569,063 paid 2019: $12,345,322 paid 2020: $1,311,713 paid 2021: $555,650 paid 2022: $1,518,939 paid 2023: $576,018 paid 2024: $2,826,539 paid 2025: $6,998,481 paid 2026: $1,310,334 paid 2011 · $47.5M 1978 2026
$230.6M
total paid
$12,181
average claim
$1.3M
largest single claim
83%
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 Dare, NC and where it ranks among U.S. counties. It is not a verdict on whether Dare 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.