Property Atlas

County hazard profile

Pamlico, NC

North Carolina · pop. 12,213 · FIPS 37137

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$23M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Pamlico $23M

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 72.36/100
national median ~50 near the national middle (72nd percentile)
Social vulnerabilityVery High 83.11/100
national median ~50 higher than 83% of counties
Community resilienceRelatively High 72.9/100
national median ~50 near the national middle (73rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pamlico

The National Flood Insurance Program has paid 4,330 flood-insurance claims totaling $102.8M in Pamlico since 1982. The costliest year was 2011 ($43.6M paid).

Flood-insurance dollars paid by year of loss

1982: $33,267 paid 1983: $17,340 paid 1984: $0 paid 1985: $0 paid 1988: $209 paid 1991: $1,182 paid 1992: $0 paid 1993: $24,114 paid 1996: $304,599 paid 1998: $49,703 paid 1999: $3,920,605 paid 2000: $0 paid 2001: $15,000 paid 2002: $16,262 paid 2003: $14,271,181 paid 2004: $185,888 paid 2005: $879,557 paid 2006: $24,093 paid 2007: $16,473 paid 2009: $2,271 paid 2010: $8,299 paid 2011: $43,598,724 paid 2012: $0 paid 2014: $13,304 paid 2015: $399,064 paid 2016: $4,431 paid 2018: $38,444,392 paid 2019: $526,699 paid 2021: $0 paid 2023: $18,305 paid 2024: $0 paid 2025: $8,242 paid 2011 · $43.6M 1982 2025
$102.8M
total paid
$23,737
average claim
$1.0M
largest single claim
88%
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 Pamlico, NC and where it ranks among U.S. counties. It is not a verdict on whether Pamlico 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.