Natural Disaster Risk — ZIP Code 27344
Siler City, North Carolina
Risk Summary for ZIP 27344
ZIP 27344 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: ZIP 27344, North Carolina
ZIP 27344 in Siler City sits along the mid-Atlantic coast. Its humid subtropical climate produces hot, humid summers and four distinct seasons, and notably a hurricane and tropical storm season affecting the coast. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 27344 carries an overall risk score of 6.1/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to tornado and ice storm.
Within North Carolina, ZIP 27344'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 North Carolina identifies hurricane as the foremost hazard, followed by tornado and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 27344 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 27344: 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.
Risk for the surrounding area
Local Factors for ZIP 27344
These city-level factors differentiate ZIP 27344 from other communities in North Carolina County and provide geographic context for its hazard exposure.
Population
19,198
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 35.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.1/10
Coordinates
35.7289° N, 79.4337° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 27344
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in North Carolina
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.