🌍 ClimateRiskCheck

Natural Disaster Risk in Warne

North Carolina

5.1out of 10
Moderate Risk

Risk Summary for Warne

Warne scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Wildfire Hurricane

All 18 Hazard Scores

Landslide
9.3
Wildfire
6.9
Hurricane
6.5
Cold Wave
6.1
Ice Storm
6.0
Earthquake
5.4
Tsunami
5.4
Lightning
5.3
Tornado
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.8
Avalanche
4.5
Strong Wind
3.7
Hail
3.3
Winter Weather
2.0
Extreme Heat
1.7
Riverine Flooding
1.0

How it compares

Warne
5.1
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: Warne, North Carolina

Warne, in Clay County, is a small community of about 1,002 situated in the interior eastern 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 Warne residents and property owners must navigate.

Warne's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include wildfire and hurricane.

Within North Carolina, Warne's risk is, slightly below the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Clay County identifies landslide as the foremost hazard, followed by wildfire and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Warne 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 landslide is recommended.

What this means for Warne: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Warne

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

Population

1,002

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 35.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.9/10

Coordinates

35.0012Β° N, 83.9032Β° W

Clay 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 Warne

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Warne

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.