Natural Disaster Risk in Four Oaks
North Carolina
Risk Summary for Four Oaks
Four Oaks scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Four Oaks, North Carolina
Four Oaks, in Johnston County, is a city of approximately 13,999 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 Four Oaks residents and property owners must navigate.
According to FEMA's National Risk Index, Four Oaks carries an overall risk score of 7.5/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to tornado and heat.
Within North Carolina, Four Oaks'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 Johnston County identifies winter as the foremost hazard, followed by tornado and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Four Oaks'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 Four Oaks: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Four Oaks
These city-level factors differentiate Four Oaks from other communities in Johnston County and provide geographic context for its hazard exposure.
Population
13,999
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 35.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.9/10
Coordinates
35.3939° N, 78.3795° W
Johnston 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 Four Oaks
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Four Oaks
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.