Property Atlas

County hazard profile

Davidson, NC

North Carolina · pop. 168,808 · FIPS 37057

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$64M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Davidson $64M

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 87.21/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Moderate 42.43/100
national median ~50 near the national middle (42nd percentile)
Community resilienceRelatively Low 37.09/100
national median ~50 lower than most counties (37th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Davidson

The National Flood Insurance Program has paid 103 flood-insurance claims totaling $1.7M in Davidson since 1984. The costliest year was 2018 ($417K paid).

Flood-insurance dollars paid by year of loss

1984: $2,913 paid 1987: $4,565 paid 1989: $7,623 paid 1990: $0 paid 1993: $200,000 paid 1996: $0 paid 1997: $0 paid 1998: $43,859 paid 1999: $761 paid 2002: $0 paid 2003: $239,746 paid 2004: $4,610 paid 2006: $0 paid 2008: $1,862 paid 2009: $55,534 paid 2010: $50,764 paid 2011: $0 paid 2015: $0 paid 2016: $25,324 paid 2017: $0 paid 2018: $417,307 paid 2019: $15,811 paid 2020: $243,652 paid 2021: $1,873 paid 2023: $0 paid 2024: $79 paid 2025: $391,343 paid 2018 · $417K 1984 2025
$1.7M
total paid
$16,579
average claim
$200K
largest single claim
62%
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 Davidson, NC and where it ranks among U.S. counties. It is not a verdict on whether Davidson 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.