Natural Disaster Risk — ZIP Code 28001
Albemarle, North Carolina
Risk Summary for ZIP 28001
ZIP 28001 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
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 28001, North Carolina
ZIP 28001 in Albemarle sits in the interior eastern United States. 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 28001 carries an overall risk score of 5.8/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to hurricane and tornado.
Within North Carolina, ZIP 28001'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 North Carolina identifies ice storm as the foremost hazard, followed by hurricane and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 28001 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 ice storm is recommended.
What this means for ZIP 28001: Ice Storm preparedness
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
- Keep walkways treated and avoid travel during freezing-rain events.
Risk for the surrounding area
Local Factors for ZIP 28001
These city-level factors differentiate ZIP 28001 from other communities in North Carolina County and provide geographic context for its hazard exposure.
Population
26,424
SuburbanGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 35.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.4/10
Coordinates
35.3359° N, 80.2042° 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 28001
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.