Property Atlas

County hazard profile

Wayne, NC

North Carolina · pop. 116,680 · FIPS 37191

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$66M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Wayne $66M

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 90.39/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 72.96/100
national median ~50 near the national middle (73rd percentile)
Community resilienceRelatively Low 37.6/100
national median ~50 lower than most counties (38th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Wayne

The National Flood Insurance Program has paid 1,193 flood-insurance claims totaling $47.0M in Wayne since 1978. The costliest year was 2016 ($30.0M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $29,965 paid 1980: $515 paid 1981: $2,102 paid 1982: $48,019 paid 1987: $2,792 paid 1989: $0 paid 1991: $110 paid 1992: $160,816 paid 1995: $0 paid 1996: $832,781 paid 1997: $0 paid 1998: $67,243 paid 1999: $10,593,771 paid 2000: $134 paid 2001: $31,705 paid 2003: $1,541 paid 2004: $0 paid 2005: $52,413 paid 2006: $65,433 paid 2008: $0 paid 2011: $0 paid 2016: $29,975,963 paid 2017: $19,052 paid 2018: $4,581,812 paid 2020: $300,147 paid 2021: $9,822 paid 2022: $11,499 paid 2023: $206,553 paid 2024: $30,079 paid 2026: $2,595 paid 2016 · $30.0M 1978 2026
$47.0M
total paid
$39,419
average claim
$726K
largest single claim
73%
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 Wayne, NC and where it ranks among U.S. counties. It is not a verdict on whether Wayne 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.