Natural Disaster Risk in Cary
North Carolina
Risk Summary for Cary
Cary 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: Cary, North Carolina
Cary, in Wake County, is a city of 69,836 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 Cary residents and property owners must navigate.
Cary's overall natural disaster risk is rated 7.5/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include heat and tornado.
Within North Carolina, Cary's risk is, slightly above the 6.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Wake County identifies hail as the foremost hazard, followed by heat and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Cary'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 Cary: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- 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.
Local Factors for Cary
These city-level factors differentiate Cary from other communities in Wake County and provide geographic context for its hazard exposure.
Population
69,836
UrbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 35.8Β°
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
35.8081Β° N, 78.8871Β° 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 Cary
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cary
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.