Win-Mock Farm Dairy · Photo: Rufous-crowned Sparrow · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Bermuda Run as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Bermuda Run gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #176 of 290 in North Carolina. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 3 claims here since 2014.
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 Bermuda Run 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
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 Bermuda Run’s grade
River and rain flooding is 86% of the building damage FEMA expects in Bermuda Run, and Bermuda Run’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Ice storms add 4%, at a rate in the top 4% of U.S. census tracts.
C+ #176 of 290 in North Carolina; higher expected damage per building than 58% of U.S. towns (21,298).
Bermuda Run’s residents live in 2 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, Bermuda Run has more expected damage per building than 61% of North Carolina towns.
In dollars, FEMA expects about $1.3M a year in losses across Bermuda Run: $1.1M to buildings, the rest to people and crops.
Does Bermuda Run flood? Rarely: 3 flood claims since 2014
Every paid claim on a federal flood insurance policy in Bermuda Run, from FEMA’s records: 1.7 per 1,000 homes, fewer than 66% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Michael1 claim · $12K
- Hurricane Eta1 claim · $3K
Bermuda Run isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Davie County.2 federal disasters brought FEMA money to Bermuda Run
Disasters that paid out in Bermuda Run itself (aid to households or repair grants to the Town of Bermuda Run), newest first, with that year’s flood claims.
- 2014Severe Winter Storm$21K to the Town of Bermuda Run for repairs1 flood claim paid that year
- 2002Severe Ice Storm$6K to the Town of Bermuda Run for repairs
Davie County has had 19 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 Bermuda Run after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bermuda Run archive →Get ready for what Bermuda Run 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.
- 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 Bermuda Run
Is Bermuda Run at risk for natural disasters?
On FEMA’s National Risk Index, Bermuda Run has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #176 of 290 in North Carolina. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bermuda Run flood?
Flood insurance has paid 3 claims in Bermuda Run since 2014, $100K in all, or 1.7 per 1,000 homes, fewer than 66% of U.S. towns with a flood insurance record. The most claims came from Hurricane Michael (1).
Is Bermuda Run 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 Davie County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Bermuda Run?
FEMA’s Community Rating System list shows no discount for Bermuda Run’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 Bermuda Run?
By FEMA money that reached Bermuda Run, Severe Winter Storm (2014): $21K to the Town of Bermuda Run for repairs. By flood claims, Hurricane Michael: 1 paid, $12K.
Is Bermuda Run at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Bermuda Run’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bermuda Run.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bermuda Run’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.