Property Atlas

County hazard profile

Pender, NC

North Carolina · pop. 60,195 · FIPS 37141

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$67M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Pender $67M

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 86.93/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Low 34.22/100
national median ~50 lower than most counties (34th percentile)
Community resilienceRelatively High 65.74/100
national median ~50 near the national middle (66th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pender

The National Flood Insurance Program has paid 5,888 flood-insurance claims totaling $118.1M in Pender since 1978. The costliest year was 2018 ($66.2M paid).

Flood-insurance dollars paid by year of loss

1978: $1,180 paid 1979: $12,494 paid 1980: $200 paid 1981: $159,924 paid 1983: $12,203 paid 1984: $192,950 paid 1985: $192,300 paid 1986: $437,838 paid 1987: $126,672 paid 1988: $154,854 paid 1989: $16,318 paid 1990: $940 paid 1992: $27,953 paid 1993: $224,599 paid 1994: $1,156 paid 1995: $99,128 paid 1996: $29,216,969 paid 1998: $713,008 paid 1999: $14,157,752 paid 2000: $7,381 paid 2001: $2,658 paid 2002: $844 paid 2003: $16,107 paid 2004: $14,213 paid 2005: $257,709 paid 2006: $375,591 paid 2007: $0 paid 2008: $0 paid 2009: $87 paid 2010: $453,691 paid 2011: $0 paid 2012: $0 paid 2014: $53,179 paid 2015: $651,377 paid 2016: $3,797,326 paid 2017: $45,031 paid 2018: $66,237,384 paid 2019: $6,962 paid 2020: $72,676 paid 2021: $17,894 paid 2022: $175,807 paid 2023: $1,407 paid 2024: $186,728 paid 2025: $716 paid 2018 · $66.2M 1978 2025
$118.1M
total paid
$20,062
average claim
$1.0M
largest single claim
82%
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 Pender, NC and where it ranks among U.S. counties. It is not a verdict on whether Pender 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.