🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 28367

Norman, North Carolina

6.3out of 10
High Risk

Risk Summary for ZIP 28367

ZIP 28367 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Wildfire

All 18 Hazard Scores

Hurricane
9.1
Tornado
8.4
Wildfire
8.2
Ice Storm
8.1
Earthquake
7.6
Strong Wind
7.6
Extreme Heat
7.0
Winter Weather
6.6
Lightning
6.2
Hail
5.8
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.9
Coastal Flooding
4.9
Cold Wave
4.9
Avalanche
4.5
Landslide
3.5
Riverine Flooding
1.0

How it compares

ZIP 28367
6.3
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 28367, North Carolina

ZIP 28367 in Norman 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 28367 carries an overall risk score of 6.3/10, 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 wildfire.

Within North Carolina, ZIP 28367'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 wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 28367 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 28367: 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 28367

These city-level factors differentiate ZIP 28367 from other communities in North Carolina County and provide geographic context for its hazard exposure.

Population

89

Rural

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 35.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.2/10

Coordinates

35.1698Β° N, 79.7232Β° 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 28367

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.