Property Atlas

County hazard profile

Lenoir, NC

North Carolina · pop. 55,112 · FIPS 37107

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$36M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lenoir $36M

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 84.61/100
national median ~50 higher than 85% of counties
Social vulnerabilityVery High 89.82/100
national median ~50 among the highest nationally
Community resilienceRelatively Moderate 51.84/100
national median ~50 near the national middle (52nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lenoir

The National Flood Insurance Program has paid 835 flood-insurance claims totaling $44.4M in Lenoir since 1978. The costliest year was 2016 ($23.9M paid).

Flood-insurance dollars paid by year of loss

1978: $828 paid 1979: $13,919 paid 1980: $0 paid 1983: $0 paid 1984: $0 paid 1985: $0 paid 1992: $3,302 paid 1995: $3,358 paid 1996: $654,900 paid 1998: $2,577 paid 1999: $10,160,087 paid 2000: $5,991 paid 2001: $0 paid 2003: $1,487 paid 2004: $73,445 paid 2005: $0 paid 2006: $179,271 paid 2010: $22,324 paid 2011: $44,104 paid 2016: $23,922,459 paid 2017: $12,798 paid 2018: $9,132,824 paid 2019: $8,337 paid 2020: $156,178 paid 2021: $5,352 paid 2024: $11,914 paid 2025: $0 paid 2016 · $23.9M 1978 2025
$44.4M
total paid
$53,192
average claim
$1.0M
largest single claim
79%
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 Lenoir, NC and where it ranks among U.S. counties. It is not a verdict on whether Lenoir 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.