Property Atlas

County hazard profile

Mecklenburg, NC

North Carolina · pop. 1,114,693 · FIPS 37119

Relatively High
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$318M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Mecklenburg $318M

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 High 97.07/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 17.94/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 59.67/100
national median ~50 near the national middle (60th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Mecklenburg

The National Flood Insurance Program has paid 2,881 flood-insurance claims totaling $61.6M in Mecklenburg since 1978. The costliest year was 2008 ($11.5M paid).

Flood-insurance dollars paid by year of loss

1978: $31,296 paid 1979: $129,547 paid 1980: $12,974 paid 1981: $15,262 paid 1982: $358,921 paid 1983: $13,111 paid 1984: $3,883 paid 1985: $63,911 paid 1986: $0 paid 1987: $20,931 paid 1988: $0 paid 1989: $114,992 paid 1990: $98,593 paid 1991: $27,256 paid 1992: $32,534 paid 1993: $23,203 paid 1994: $57,266 paid 1995: $4,752,285 paid 1996: $286,532 paid 1997: $9,097,040 paid 1998: $285,336 paid 1999: $22,508 paid 2000: $11,780 paid 2002: $0 paid 2003: $5,605,760 paid 2004: $1,128,673 paid 2005: $105,913 paid 2006: $934,662 paid 2007: $41,524 paid 2008: $11,538,448 paid 2009: $1,563,179 paid 2010: $865,467 paid 2011: $2,679,301 paid 2012: $218,905 paid 2013: $1,063,894 paid 2014: $74,856 paid 2015: $174,724 paid 2016: $34,689 paid 2017: $12,578 paid 2018: $993,188 paid 2019: $3,572,391 paid 2020: $4,157,740 paid 2021: $299,827 paid 2022: $71,624 paid 2023: $249,701 paid 2024: $9,970,642 paid 2025: $758,863 paid 2008 · $11.5M 1978 2025
$61.6M
total paid
$21,373
average claim
$942K
largest single claim
71%
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 Mecklenburg, NC and where it ranks among U.S. counties. It is not a verdict on whether Mecklenburg 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.