On FEMA’s figures, North Fork faces more hazard damage per building than 98% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, North Fork gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns. Most of that expected damage is wildfire (60%), then river and rain flooding (39%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What North Fork faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind North Fork’s grade
Wildfire is 60% of the building damage FEMA expects in North Fork, and North Fork’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 39% (higher than 90% of U.S. census tracts).
D− higher expected damage per building than 98% of U.S. towns (21,298).
All of North Fork’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $837K a year in losses across North Fork: $667K to buildings, the rest to people and crops.
Does North Fork flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in North Fork. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
North Fork isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Navajo County.The storms North Fork remembers
None of the 12 disasters declared for Navajo County shows FEMA aid or repair money reaching North Fork itself in FEMA’s records, so these are its biggest flood-claim years.
Navajo County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Navajo County, 1999–2006.
North Fork and its neighbors
North Fork is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Whiteriver | Dmore damage than 90% | river and rain flooding | — |
| North Fork | D−more damage than 98% | wildfire | 0 |
| Hondah | — | 697 residents; we grade 1,000+ | |
| Rainbow City | — | 807 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what North Fork faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in North Fork
Is North Fork at risk for natural disasters?
On FEMA’s National Risk Index, North Fork has higher expected damage per building than 98% of U.S. towns: D− for hazard risk. Most of the expected damage is wildfire (60%) and river and rain flooding (39%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is North Fork in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Navajo County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in North Fork?
FEMA’s Community Rating System list shows no discount for North Fork’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is North Fork at risk from wildfire?
It is the largest share of the building damage FEMA expects here (60%), and North Fork’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Fork.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Fork’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.