🌍 ClimateRiskCheck

Natural Disaster Risk in Biscoe

North Carolina

5.5out of 10
Moderate Risk

Risk Summary for Biscoe

Biscoe scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Ice Storm Tornado

All 18 Hazard Scores

Hurricane
8.9
Ice Storm
8.1
Tornado
7.0
Earthquake
6.0
Landslide
5.7
Extreme Heat
5.4
Tsunami
5.4
Wildfire
5.2
Drought
5.2
Strong Wind
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.6
Hail
4.5
Avalanche
4.5
Winter Weather
4.2
Cold Wave
4.0
Riverine Flooding
1.0

How it compares

Biscoe
5.5
North Carolina avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Biscoe, North Carolina

Biscoe, in Montgomery County, is a town of roughly 3,906 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings hot, humid summers and four distinct seasons, and in particular a hurricane and tropical storm season affecting the coast. These conditions collectively define the natural hazard environment that Biscoe residents and property owners must navigate.

According to FEMA's National Risk Index, Biscoe carries an overall risk score of 5.5/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to ice storm and tornado.

Within North Carolina, Biscoe's risk is, slightly below the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Montgomery County identifies hurricane as the foremost hazard, followed by ice storm and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Biscoe residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Biscoe: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Biscoe

These city-level factors differentiate Biscoe from other communities in Montgomery County and provide geographic context for its hazard exposure.

Population

3,906

Small Town

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 35.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.2/10

Coordinates

35.3425Β° N, 79.7494Β° W

Montgomery 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 Biscoe

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Biscoe

Other cities in North Carolina

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.