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–Not graded
Natural hazards in Colerain · FEMA

Storms, floods and disasters in Colerain

Colerain isn’t graded for hazard risk: Colerain has 239 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 21 declared for Bertie County
By hazard

What Colerain faces

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

Hurricanes

63%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

32%of expected building damage
About average · lower than 56% of U.S. census tracts
Recorded about once every 1 years in the area
Smaller shares here
 Tornadoes Earthquakes Coastal flooding Hail Strong wind Winter storms Ice storms Wildfire Lightning 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.
Flood insurance claims

Does Colerain flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Colerain. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Bertie County.
Disasters

6 federal disasters brought FEMA money to Colerain

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

  1. 2016Hurricane Matthew160 households applied for aid$123K aid approved$10K to the Town of Colerain for repairs
  2. 2011Hurricane Irene120 households applied for aid$175K aid approved$5K to the Town of Colerain for repairs
  3. 2011Severe Storms, Tornadoes, and Flooding201 households applied for aid$775K aid approved
  4. 2010Severe Storms, Flooding, and Straight-line Winds70 households applied for aid$77K aid approved
  5. 2003Hurricane Isabel738 households applied for aid$721K aid approved$25K to the Town of Colerain for repairs
  6. 1999Hurricane Floyd Major Disaster Declarations$2K to the Town of Colerain for repairs
Disasters declared, by decade
Paid out in ColerainBertie County only

Bertie County has had 21 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 Colerain after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Colerain archive →
Be ready

Get ready for what Colerain 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.
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 Colerain

Is Colerain 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 Bertie County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Colerain?

FEMA’s Community Rating System list shows no discount for Colerain’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 Colerain?

By FEMA money that reached Colerain, Severe Storms, Tornadoes, and Flooding (2011): 201 households applied for aid, $775K approved.

Storm stories

Memories, warnings and help from neighbors in Colerain.

Town Square →
Start the conversation

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