Property Atlas

County hazard profile

Stanly, NC

North Carolina · pop. 62,476 · FIPS 37167

Relatively Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$22M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Stanly $22M

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 58.84/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityRelatively Low 29.42/100
national median ~50 lower than most counties (29th percentile)
Community resilienceRelatively Moderate 52.96/100
national median ~50 near the national middle (53rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Stanly

The National Flood Insurance Program has paid 66 flood-insurance claims totaling $3.0M in Stanly since 1978. The costliest year was 2018 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $7,112 paid 1981: $17,948 paid 1990: $20,720 paid 1997: $165,688 paid 1999: $0 paid 2001: $76,243 paid 2002: $432 paid 2003: $83,234 paid 2004: $0 paid 2005: $0 paid 2011: $23,371 paid 2012: $3,983 paid 2018: $1,681,349 paid 2020: $644,167 paid 2025: $254,299 paid 2018 · $1.7M 1978 2025
$3.0M
total paid
$45,129
average claim
$500K
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 Stanly, NC and where it ranks among U.S. counties. It is not a verdict on whether Stanly 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.