🌍 ClimateRiskCheck

Natural Disaster Risk in Pelham

North Carolina

4.9out of 10
Moderate Risk

Risk Summary for Pelham

Pelham scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Drought Landslide

All 18 Hazard Scores

Hurricane
8.2
Drought
7.5
Landslide
5.4
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.1
Winter Weather
5.0
Coastal Flooding
4.9
Tornado
4.7
Hail
4.7
Earthquake
4.6
Extreme Heat
4.5
Avalanche
4.5
Lightning
4.1
Strong Wind
3.7
Wildfire
3.4
Cold Wave
2.6
Riverine Flooding
1.0

How it compares

Pelham
4.9
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: Pelham, North Carolina

Located along the mid-Atlantic coast in Caswell County, Pelham is a town of roughly 3,842 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 Pelham a community where hazard awareness has real practical value.

Pelham's overall natural disaster risk is rated 4.9/10 (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 drought and landslide.

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

With a moderate risk rating, Pelham 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 Pelham: 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 Pelham

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

Population

3,842

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

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: 3.4/10

Coordinates

36.4814Β° N, 79.4758Β° W

Caswell 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 Pelham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Pelham

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.