Property Atlas

County hazard profile

Union, NC

North Carolina · pop. 237,844 · FIPS 37179

Relatively Moderate
FEMA risk rating · RATING
Ice Storm
dominant hazard
$110M
modeled expected annual loss/yr

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

lower than most counties (34th percentile)

national median $15M/yr Union $110M

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 89.06/100
national median ~50 higher than 89% of counties
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively Moderate 55.15/100
national median ~50 near the national middle (55th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Union

The National Flood Insurance Program has paid 80 flood-insurance claims totaling $1.4M in Union since 1978. The costliest year was 2018 ($383K paid).

Flood-insurance dollars paid by year of loss

1978: $4,015 paid 1980: $9,635 paid 1981: $2,402 paid 1983: $0 paid 1989: $0 paid 1991: $4,865 paid 1992: $4,779 paid 1995: $28,507 paid 1996: $0 paid 1998: $15,900 paid 1999: $539 paid 2003: $75,123 paid 2004: $4,617 paid 2005: $80,133 paid 2014: $23,279 paid 2015: $263,944 paid 2016: $12,828 paid 2017: $0 paid 2018: $382,653 paid 2020: $57,231 paid 2021: $0 paid 2023: $364,054 paid 2024: $43,820 paid 2026: $0 paid 2018 · $383K 1978 2026
$1.4M
total paid
$17,229
average claim
$277K
largest single claim
41%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Union, NC and where it ranks among U.S. counties. It is not a verdict on whether Union 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.