🌍 ClimateRiskCheck

Natural Disaster Risk in Gates

North Carolina

4.6out of 10
Moderate Risk

Risk Summary for Gates

Gates scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Drought

All 18 Hazard Scores

Coastal Flooding
9.2
Hurricane
8.5
Drought
6.2
Strong Wind
6.1
Winter Weather
5.9
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Extreme Heat
4.0
Lightning
3.8
Earthquake
3.7
Tornado
3.2
Hail
3.2
Ice Storm
3.2
Cold Wave
2.6
Wildfire
2.4
Landslide
1.7
Riverine Flooding
1.0

How it compares

Gates
4.6
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: Gates, North Carolina

Gates, in Gates County, is a town of roughly 2,936 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 Gates residents and property owners must navigate.

Gates's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. 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. Secondary hazards include hurricane and drought.

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

Gates's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.

What this means for Gates: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • 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.

Local Factors for Gates

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

Population

2,936

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Mild Temperate

Latitude 36.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.4/10

Coordinates

36.5045Β° N, 76.7773Β° W

Gates 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 Gates

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gates

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.