More hazard damage per building is expected in Sterling than in 78% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Sterling gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is hurricanes (64%), then river and rain flooding (22%). 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 Sterling faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Coastal 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 Sterling’s grade
Hurricanes are 64% of the building damage FEMA expects in Sterling, and Sterling’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 78% of U.S. towns (21,298).
Sterling’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $951K a year in losses across Sterling: $758K to buildings, the rest to people and crops.
Does Sterling flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sterling. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sterling isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Glynn County.The storms Sterling remembers
None of the 14 disasters declared for Glynn County shows FEMA aid or repair money reaching Sterling itself in FEMA’s records, so these are its biggest flood-claim years.
Glynn County has had 14 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Get ready for what Sterling faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Sterling
Is Sterling at risk for natural disasters?
On FEMA’s National Risk Index, Sterling has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (64%) and river and rain flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sterling 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 Glynn County, 90% of homes in mapped flood zones carry federal flood insurance, and 31.1% of all homes do.
How much is flood insurance in Sterling?
FEMA’s Community Rating System list shows no discount for Sterling’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sterling at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (64%), and Sterling’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sterling.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sterling’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.