🌍 ClimateRiskCheck

Natural Disaster Risk in Matthews

North Carolina

7.7out of 10
High Risk

Risk Summary for Matthews

Matthews scores 7.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Ice Storm Lightning

All 18 Hazard Scores

Tornado
9.8
Lightning
9.6
Ice Storm
9.6
Hail
9.5
Extreme Heat
9.5
Earthquake
9.4
Strong Wind
9.3
Hurricane
8.9
Winter Weather
8.7
Cold Wave
8.4
Landslide
7.5
Wildfire
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.7
Riverine Flooding
1.0

How it compares

Matthews
7.7
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: Matthews, North Carolina

Located in the interior eastern United States in Mecklenburg County, Matthews is a city of approximately 46,817 residents. 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 Matthews a community where hazard awareness has real practical value.

Matthews's overall natural disaster risk is rated 7.7/10 (High) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include ice storm and lightning.

Relative to other U.S. communities, Matthews's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.2/10 state average. The hazard distribution here is led by tornado and ice storm, as measured by FEMA across Mecklenburg County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Matthews'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 Matthews: Tornado preparedness

  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.

Local Factors for Matthews

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

Population

46,817

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 35.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.7/10

Coordinates

35.1191Β° N, 80.7112Β° W

Mecklenburg 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 Matthews

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Matthews

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.