Property Atlas

County hazard profile

Harnett, NC

North Carolina · pop. 133,456 · FIPS 37085

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Harnett $37M

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 Low 75.29/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively Low 27.51/100
national median ~50 lower than most counties (28th percentile)
Community resilienceRelatively Low 20.58/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Harnett

The National Flood Insurance Program has paid 116 flood-insurance claims totaling $2.5M in Harnett since 1983. The costliest year was 2016 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1983: $0 paid 1986: $19,694 paid 1993: $2,368 paid 1996: $219,267 paid 1998: $1,217 paid 1999: $25,901 paid 2008: $0 paid 2009: $0 paid 2010: $9,956 paid 2011: $0 paid 2012: $308 paid 2013: $4,103 paid 2016: $1,079,444 paid 2017: $0 paid 2018: $1,041,870 paid 2019: $0 paid 2020: $0 paid 2021: $71,466 paid 2023: $7,985 paid 2024: $19,052 paid 2025: $0 paid 2016 · $1.1M 1983 2025
$2.5M
total paid
$21,574
average claim
$170K
largest single claim
47%
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 Harnett, NC and where it ranks among U.S. counties. It is not a verdict on whether Harnett 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.