Ellerslie · Photo: Mueller65 · CC BY-SA 4.0On FEMA’s figures, Anderson Creek faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Anderson Creek gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #126 of 290 in North Carolina. Most of that expected damage is river and rain flooding (63%), then hurricanes (21%). Flood insurance has paid 2 claims here since 1985.
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 Anderson Creek 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
Hurricanes
Tornadoes
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 Anderson Creek’s grade
River and rain flooding is 63% of the building damage FEMA expects in Anderson Creek, and Anderson Creek’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Next is hurricanes at 21% (higher than 84% of U.S. census tracts).
B− #126 of 290 in North Carolina; lower expected damage per building than 54% of U.S. towns (21,298).
Anderson Creek’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Anderson Creek has less expected damage per building than 57% of North Carolina towns.
In dollars, FEMA expects about $3.4M a year in losses across Anderson Creek: $2.4M to buildings, the rest to people and crops.
Does Anderson Creek flood? Rarely: 2 flood claims since 1985
Every paid claim on a federal flood insurance policy in Anderson Creek, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence1 claim · $12K
Anderson Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harnett County.The storms Anderson Creek remembers
None of the 18 disasters declared for Harnett County shows FEMA aid or repair money reaching Anderson Creek itself in FEMA’s records, so these are its biggest flood-claim years.
- 19851 flood claims paidNo declaration for the county that year
- 20181 flood claims paidThe year of Hurricane Florence, declared for Harnett County
Harnett County has had 18 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Anderson Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Anderson Creek archive →Get ready for what Anderson Creek faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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 Anderson Creek
Is Anderson Creek at risk for natural disasters?
On FEMA’s National Risk Index, Anderson Creek has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #126 of 290 in North Carolina. Most of the expected damage is river and rain flooding (63%) and hurricanes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Anderson Creek flood?
Flood insurance has paid 2 claims in Anderson Creek since 1985, $13K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (1).
Is Anderson Creek 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 Harnett County, 49% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Anderson Creek?
FEMA’s Community Rating System list shows no discount for Anderson Creek’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 Anderson Creek?
By flood claims, Hurricane Florence: 1 paid, $12K.
Is Anderson Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Anderson Creek’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Anderson Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Anderson Creek’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.