🌍 ClimateRiskCheck

Natural Disaster Risk in Gloucester

North Carolina

6.3out of 10
High Risk

Risk Summary for Gloucester

Gloucester 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

Gloucester
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: Gloucester, North Carolina

Gloucester, in Carteret County, is a small unincorporated community situated near the Atlantic Coast of the southeastern United States. 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 Gloucester residents and property owners must navigate.

Gloucester'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, Gloucester'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.

Gloucester'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 Gloucester: 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.

Local Factors for Gloucester

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

Population

407

Rural

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 34.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.0/10

Coordinates

34.7370Β° N, 76.5396Β° W

Carteret 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 Gloucester

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gloucester

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.