Natural Disaster Risk — ZIP Code 28684
Todd, North Carolina
Risk Summary for ZIP 28684
ZIP 28684 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
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 28684, North Carolina
Located in the interior eastern United States, ZIP 28684 serves the Todd 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 28684's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include cold wave and wind.
Relative to other U.S. communities, ZIP 28684'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 landslide and cold wave, 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 high natural disaster risk rating, ZIP 28684 residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 28684: Landslide preparedness
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
Risk for the surrounding area
Local Factors for ZIP 28684
These city-level factors differentiate ZIP 28684 from other communities in North Carolina County and provide geographic context for its hazard exposure.
Population
1,961
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 36.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.4/10
Coordinates
36.3354° N, 81.6163° 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 28684
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.