Natural Disaster Risk — ZIP Code 27565
Oxford, North Carolina
Risk Summary for ZIP 27565
ZIP 27565 scores 5.9/10 (Moderate 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
Average risk — 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: ZIP 27565, North Carolina
Located along the mid-Atlantic coast, ZIP 27565 serves the Oxford community. The humid subtropical climate of this part of North Carolina — bringing hot, humid summers and four distinct seasons — directly shapes the hazard exposure for properties in this postal area.
ZIP 27565'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 winter and drought.
Relative to other U.S. communities, ZIP 27565'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 winter, as measured by FEMA across North Carolina. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 27565 residents are well-served by maintaining standard preparedness practices — 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 ZIP 27565: 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.
Risk for the surrounding area
Local Factors for ZIP 27565
These city-level factors differentiate ZIP 27565 from other communities in North Carolina County and provide geographic context for its hazard exposure.
Population
23,826
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.3/10
Coordinates
36.3620° N, 78.6460° 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 27565
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.