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D−Hazard risk
Natural hazards in Cedar Point · FEMA

FEMA expects more hazard damage per building in Cedar Point than almost anywhere in the U.S., mostly from hurricanes

On FEMA’s National Risk Index, Cedar Point gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is hurricanes (85%). Flood insurance has paid 121 claims here since 1996.

Hurricanes 85%River and rain flooding 9%Coastal flooding 4%

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

among the highestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D−
in North Carolina · among the highest of U.S. towns
Main hazard
Hurricanes
85% of expected building damage
Flood claims
121
paid since 1996 · $3.1M
Flooded more than once
29
properties · 11 “severe repetitive loss”
Flood insurance
15% off
Community discount (class 7)

What stands out about Cedar Point’s natural hazards

From FEMA’s model and FEMA’s records, below.

121 paid flood claims since 1996$3.1M in all; 29 properties flooded more than once. More per home than 96% of U.S. towns.15% off flood insuranceFlood-proofing work earns Cedar Point residents a discount through FEMA’s Community Rating System (class 7).Coastal flooding: the top 1% of U.S. tractsFEMA’s building-damage rate for coastal flooding here ranks in the top 1% of U.S. census tracts; it is 3.7% of the damage it expects.Remembers 201857 flood claims were paid for 2018 alone, the most of any year.
By hazard

What Cedar Point faces

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

Hurricanes

85%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 3 years in the area

River and rain flooding

9%of expected building damage
Below average · lower than 76% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Coastal flooding top 1% Tornadoes Wildfire Ice storms Strong wind Earthquakes Winter storms Lightning Hail Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Cedar Point’s grade

Hurricanes are 85% of the building damage FEMA expects in Cedar Point, and Cedar Point’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 1% of U.S. census tracts.

Where Cedar Point sits
Cedar Point
Least damageMiddleMost damage

D− among the highest expected damage per building of U.S. towns (21,298).

All of Cedar Point’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes85%River and rain flooding9%Coastal flooding4%Everything else2%

In dollars, FEMA expects about $3.0M a year in losses across Cedar Point: $2.8M to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Florence in 2018, FEMA took 131 aid registrations from Cedar Point addresses (the town has 1,227 homes) and flood insurance paid 57 claims for $2.2M.
Shared tract.All of Cedar Point’s 1,764 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Cedar Point flood? Yes: 121 flood claims since 1996

Every paid claim on a federal flood insurance policy in Cedar Point, from FEMA’s records: 98.6 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 14 claims1997: 0 claims1998: 7 claims1999: 15 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 20 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 4 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 0 claims2018: 57 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 3 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199920052018
19962026
Biggest named events
  • Hurricane Florence57 claims · $2.2M
  • Hurricane Ophelia16 claims · $326K
  • Hurricane Floyd14 claims · $206K
121
paid claims since 1996
$3.1M
paid to owners
29
homes flooded more than once
$25K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (11)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
Community discount15% off flood insurance

Cedar Point is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Carteret County.
Disasters

2 federal disasters brought FEMA money to Cedar Point

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

  1. 2018Hurricane Florence131 households applied for aid$61K aid approved57 flood claims paid for it, $2.2M
  2. 2011Hurricane Irene8 households applied for aid$5K aid approved4 flood claims paid that year
Disasters declared, by decade
Paid out in Cedar PointCarteret County only

Carteret County has had 20 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.

Were you here?

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

Add to the Cedar Point archive →
Next door

Cedar Point and its neighbors

Cedar Point is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Cape Carteret: hazard risk D−Cape CarteretCedar Point
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Cape CarteretD−among the highest damagehurricanes149
Cedar PointD−among the highest damagehurricanes121

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.

Be ready

Get ready for what Cedar Point faces

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

Hurricane season
  • 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.
More from Ready.gov ↗
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 ↗
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.
  • Cedar Point residents get 15% off flood insurance.
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 Cedar Point

Is Cedar Point at risk for natural disasters?

On FEMA’s National Risk Index, Cedar Point has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is hurricanes (85%) and river and rain flooding (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Cedar Point flood?

Flood insurance has paid 121 claims in Cedar Point since 1996, $3.1M in all, or 98.6 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 29 properties have flooded more than once. The most claims came from Hurricane Florence (57).

Is Cedar Point 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 Carteret County, 52% of homes in mapped flood zones carry federal flood insurance, and 21.5% of all homes do.

How much is flood insurance in Cedar Point?

Cedar Point is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Cedar Point?

By FEMA money that reached Cedar Point, Hurricane Florence (2018): 131 households applied for aid, $61K approved. By flood claims, Hurricane Florence: 57 paid, $2.2M.

Is Cedar Point at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (85%), and Cedar Point’s rate for it is in the top 1% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Cedar Point.

Town Square →
Start the conversation

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