Property Atlas

County hazard profile

Haywood, NC

North Carolina · pop. 62,051 · FIPS 37087

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$32M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Haywood $32M

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 77.19/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively High 61.13/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 52.54/100
national median ~50 near the national middle (53rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Haywood

The National Flood Insurance Program has paid 730 flood-insurance claims totaling $36.1M in Haywood since 1979. The costliest year was 2024 ($17.0M paid).

Flood-insurance dollars paid by year of loss

1979: $50 paid 1983: $85,498 paid 1991: $1,520 paid 1994: $50,400 paid 1995: $57,408 paid 1997: $4,460 paid 1998: $5,207 paid 1999: $0 paid 2000: $0 paid 2001: $4,100 paid 2003: $11,984 paid 2004: $7,756,060 paid 2005: $0 paid 2009: $625 paid 2013: $10,722 paid 2014: $17,090 paid 2015: $52,567 paid 2016: $0 paid 2017: $0 paid 2018: $9,924 paid 2019: $48,060 paid 2020: $45,988 paid 2021: $10,880,274 paid 2024: $17,020,636 paid 2025: $0 paid 2024 · $17.0M 1979 2025
$36.1M
total paid
$49,401
average claim
$782K
largest single claim
86%
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 Haywood, NC and where it ranks among U.S. counties. It is not a verdict on whether Haywood 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.