🌍 ClimateRiskCheck

Natural Disaster Risk in Carteret County

North Carolina

6.3out of 10
High Risk

Risk Summary for Carteret County

Carteret County scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Winter Weather

All 18 Hazard Scores

Hurricane
9.9
Coastal Flooding
9.8
Winter Weather
9.5
Wildfire
9.0
Lightning
8.2
Ice Storm
7.9
Extreme Heat
7.5
Strong Wind
5.5
Tsunami
5.4
Tornado
5.2
Volcanic Activity
5.1
Earthquake
5.0
Avalanche
4.5
Cold Wave
4.5
Landslide
3.8
Drought
3.6
Hail
3.3
Riverine Flooding
1.0

How it compares

Carteret County
6.3
North Carolina avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 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: Carteret County, North Carolina

Carteret County, in the United States in North Carolina, is characterized by its humid subtropical climate β€” hot, humid summers and four distinct seasons. The county faces a hurricane and tropical storm season affecting the coast, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.

Carteret County's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include coastal flood and winter.

Within North Carolina, Carteret County's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Carteret County identifies hurricane as the foremost hazard, followed by coastal flood and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Carteret County's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Carteret County: 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.

Cities in Carteret County

ZIP codes in Carteret County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.