🌍 ClimateRiskCheck

Natural Disaster Risk in Harrellsville

North Carolina

5.9out of 10
Moderate Risk

Risk Summary for Harrellsville

Harrellsville scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Drought

All 18 Hazard Scores

Hurricane
9.6
Coastal Flooding
9.2
Drought
8.5
Winter Weather
8.5
Extreme Heat
6.7
Earthquake
6.0
Tornado
5.4
Hail
5.4
Tsunami
5.4
Strong Wind
5.3
Volcanic Activity
5.1
Ice Storm
5.0
Lightning
4.8
Avalanche
4.5
Cold Wave
4.1
Wildfire
4.0
Landslide
3.2
Riverine Flooding
1.0

How it compares

Harrellsville
5.9
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: Harrellsville, North Carolina

Located along the mid-Atlantic coast in Hertford County, Harrellsville is a small community of about 766. The humid subtropical climate that characterizes this part of North Carolina β€” marked by hot, humid summers and four distinct seasons β€” directly influences the types and severity of natural hazards present, making Harrellsville a community where hazard awareness has real practical value.

Harrellsville's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include coastal flood and drought.

Relative to other U.S. communities, Harrellsville's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.2/10 state average. The hazard distribution here is led by hurricane and coastal flood, as measured by FEMA across Hertford County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Harrellsville 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 hurricane is recommended.

What this means for Harrellsville: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • 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.

Local Factors for Harrellsville

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

Population

766

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Mild Temperate

Latitude 36.3Β°

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: 4.0/10

Coordinates

36.2878Β° N, 76.7597Β° W

Hertford 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 Harrellsville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harrellsville

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.