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–Not graded
Natural hazards in North Carrollton · FEMA

Storms, floods and disasters in North Carrollton

North Carrollton isn’t graded for hazard risk: North Carrollton has 538 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1982.

Flood claims
1
paid since 1982 · $762
Disasters paid out here
7
of 19 declared for Carroll County
By hazard

What North Carrollton faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

68%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

8%of expected building damage
Above average · higher than 78% of U.S. census tracts

Tornadoes

8%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 5 years in the area

Hail

8%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Hurricanes Ice storms Wildfire Cold waves top 1% Landslides top 2% Lightning Winter storms Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts strong wind at 16% of North Carrollton’s expected losses. Strong wind does little damage to buildings (2.4%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does North Carrollton flood? Rarely: 1 flood claim since 1982

Every paid claim on a federal flood insurance policy in North Carrollton, from FEMA’s records.

Paid flood claims, by year
1982: 1 claim1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1982
19822026
1
paid claims since 1982
$762
paid to owners
0
homes flooded more than once
$762
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

North Carrollton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Carroll County.
Disasters

7 federal disasters brought FEMA money to North Carrollton

Disasters that paid out in North Carrollton itself (aid to households or repair grants to the Town of North Carrollton), newest first, with that year’s flood claims.

  1. 2026Severe Winter Storm56 households applied for aid$274K aid approved$27K to the Town of North Carrollton for repairs
  2. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding$435K to the Town of North Carrollton for repairs
  3. 2023Severe Storms, Straight-line Winds, and Tornadoes17 households applied for aid$4K aid approved
  4. 2020Severe Storms, Tornadoes, Straight-line Winds, and Flooding$8K to the Town of North Carrollton for repairs
  5. 2020Severe Storms, Flooding, and Mudslides$268K to the Town of North Carrollton for repairs
  6. 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding$8K to the Town of North Carrollton for repairs
Show all 7
  1. 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding$2K to the Town of North Carrollton for repairs
Disasters declared, by decade
Paid out in North CarrolltonCarroll County only

Carroll County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.

Were you here?

Old photos of North Carrollton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the North Carrollton archive →
Be ready

Get ready for what North Carrollton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in North Carrollton

Does North Carrollton flood?

Flood insurance has paid 1 claim in North Carrollton since 1982, $762 in all.

Is North Carrollton 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 Carroll County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in North Carrollton?

FEMA’s Community Rating System list shows no discount for North Carrollton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in North Carrollton?

By FEMA money that reached North Carrollton, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2025): $435K to the Town of North Carrollton for repairs.

Storm stories

Memories, warnings and help from neighbors in North Carrollton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Carrollton’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.