🌍 ClimateRiskCheck

Natural Disaster Risk in Dare County

North Carolina

5.6out of 10
Moderate Risk

Risk Summary for Dare County

Dare County scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Lightning

All 18 Hazard Scores

Hurricane
9.8
Coastal Flooding
9.8
Lightning
9.5
Winter Weather
9.0
Wildfire
8.5
Extreme Heat
5.8
Tornado
5.4
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Strong Wind
4.3
Ice Storm
3.7
Earthquake
3.4
Landslide
3.1
Cold Wave
3.1
Hail
2.5
Drought
2.5
Riverine Flooding
1.0

How it compares

Dare County
5.6
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: Dare County, North Carolina

Dare County is located in the United States in North Carolina, home to roughly 36,860 residents. The county experiences hot, humid summers and four distinct seasons, with a hurricane and tropical storm season affecting the coast shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

FEMA rates Dare County's composite natural disaster risk at 5.6 out of 10 β€” moderate risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for hurricane and lightning risk in their preparedness planning.

Dare County's risk score, slightly below the 6.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Dare County, the highest-scoring are coastal flood, hurricane, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Dare County 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 coastal flood is recommended.

What this means for Dare County: Coastal Flooding preparedness

  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.

Cities in Dare County

ZIP codes in Dare County

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