FEMA expects more hazard damage per building in Bayshore than in 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Bayshore gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #258 of 290 in North Carolina. Most of that expected damage is hurricanes (71%), then river and rain flooding (22%). Flood insurance has paid 19 claims here since 2018.
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 Bayshore 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
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 Bayshore’s grade
Hurricanes are 71% of the building damage FEMA expects in Bayshore, and Bayshore’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 2% of U.S. census tracts.
D− #258 of 290 in North Carolina; higher expected damage per building than 97% of U.S. towns (21,298).
Bayshore’s residents live in 3 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, Bayshore has more expected damage per building than 89% of North Carolina towns.
In dollars, FEMA expects about $4.6M a year in losses across Bayshore: $4.1M to buildings, the rest to people and crops.
Does Bayshore flood? Sometimes: 19 flood claims since 2018
Every paid claim on a federal flood insurance policy in Bayshore, from FEMA’s records: 13.8 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence18 claims · $906K
Bayshore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: New Hanover County.The storms Bayshore remembers
None of the 23 disasters declared for New Hanover County shows FEMA aid or repair money reaching Bayshore itself in FEMA’s records, so these are its biggest flood-claim years.
- 201819 flood claims paidThe year of Hurricane Florence, declared for New Hanover County
New Hanover County has had 23 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 Bayshore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bayshore archive →Bayshore and its neighbors
Bayshore has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bayshore | D−more damage than 97% | hurricanes | 19 |
| Porters Neck | D−more damage than 97% | hurricanes | 594 |
| Ogden | D−more damage than 97% | hurricanes | 160 |
| Murraysville | D−more damage than 98% | hurricanes | 1 |
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 Bayshore 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.
- 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 Bayshore
Is Bayshore at risk for natural disasters?
On FEMA’s National Risk Index, Bayshore has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #258 of 290 in North Carolina. Most of the expected damage is hurricanes (71%) and river and rain flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bayshore flood?
Flood insurance has paid 19 claims in Bayshore since 2018, $907K in all, or 13.8 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (18).
Is Bayshore 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 New Hanover County, 75% of homes in mapped flood zones carry federal flood insurance, and 14.7% of all homes do.
How much is flood insurance in Bayshore?
FEMA’s Community Rating System list shows no discount for Bayshore’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 Bayshore?
By flood claims, Hurricane Florence: 18 paid, $906K.
Is Bayshore at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (71%), and Bayshore’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bayshore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bayshore’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.