Natural Disaster Risk in Apex
North Carolina
Risk Summary for Apex
Apex scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Apex, North Carolina
Apex is a city of approximately 48,530 residents in Wake County, along the mid-Atlantic coast. The area experiences hot, humid summers and four distinct seasons, with a hurricane and tropical storm season affecting the coast shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Apex.
According to FEMA's National Risk Index, Apex carries an overall risk score of 7.5/10, placing it in the high category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to heat and tornado.
Apex's risk score, slightly above the 6.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Wake County, the highest-scoring are hail, heat, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Apex residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Apex: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
Local Factors for Apex
These city-level factors differentiate Apex from other communities in Wake County and provide geographic context for its hazard exposure.
Population
48,530
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 35.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.3/10
Coordinates
35.7212Β° N, 78.9083Β° W
Wake County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Apex
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Apex
Other cities in North Carolina
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.