Property Atlas

County hazard profile

Henderson, NC

North Carolina · pop. 116,029 · FIPS 37089

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$41M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Henderson $41M

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 83.78/100
national median ~50 higher than 84% of counties
Social vulnerabilityRelatively High 69.31/100
national median ~50 near the national middle (69th percentile)
Community resilienceRelatively Moderate 40.08/100
national median ~50 near the national middle (40th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Henderson

The National Flood Insurance Program has paid 440 flood-insurance claims totaling $29.3M in Henderson since 1978. The costliest year was 2024 ($26.6M paid).

Flood-insurance dollars paid by year of loss

1978: $5,909 paid 1979: $36,241 paid 1983: $6,268 paid 1987: $5,676 paid 1989: $6,092 paid 1990: $24,972 paid 1991: $48,685 paid 1992: $74,826 paid 1994: $121,226 paid 1995: $100,804 paid 1996: $54,412 paid 1997: $0 paid 1998: $153,659 paid 2003: $0 paid 2004: $327,357 paid 2005: $39,199 paid 2006: $94,398 paid 2007: $1,013 paid 2009: $267,109 paid 2010: $114,496 paid 2011: $0 paid 2012: $39,852 paid 2013: $75,583 paid 2015: $14,943 paid 2016: $2,774 paid 2017: $140,857 paid 2018: $533,974 paid 2019: $120,462 paid 2020: $98,586 paid 2021: $159,714 paid 2022: $0 paid 2023: $5,409 paid 2024: $26,609,265 paid 2025: $47,629 paid 2024 · $26.6M 1978 2025
$29.3M
total paid
$66,662
average claim
$783K
largest single claim
70%
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 Henderson, NC and where it ranks among U.S. counties. It is not a verdict on whether Henderson 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.