🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 28110

Monroe, North Carolina

7.1out of 10
High Risk

Risk Summary for ZIP 28110

ZIP 28110 scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Tornado Strong Wind

All 18 Hazard Scores

Ice Storm
9.7
Tornado
9.5
Strong Wind
9.0
Hurricane
8.8
Earthquake
8.7
Lightning
8.7
Cold Wave
7.8
Winter Weather
7.7
Extreme Heat
7.6
Drought
7.3
Hail
7.2
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
4.9
Coastal Flooding
4.9
Landslide
4.6
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 28110
7.1
North Carolina avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 28110, North Carolina

ZIP 28110 covers part of the Monroe area, in the interior eastern United States. The surrounding region experiences hot, humid summers and four distinct seasons, with a hurricane and tropical storm season affecting the coast shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 28110's composite natural disaster risk at 7.1 out of 10 β€” high risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for tornado and wind risk in their preparedness planning.

ZIP 28110's risk score, slightly above the 6.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are ice storm, tornado, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 28110 residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm 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 28110: Ice Storm preparedness

  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.
  • Have a backup heat source and charged devices ready before winter storms arrive.

Risk for the surrounding area

Local Factors for ZIP 28110

These city-level factors differentiate ZIP 28110 from other communities in North Carolina County and provide geographic context for its hazard exposure.

Population

56,971

Urban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 35.1Β°

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: 4.9/10

Coordinates

35.0655Β° N, 80.5278Β° 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 28110

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.