Photo: gerrydincher · CC BY-SA 2.0On FEMA’s figures, Eastover 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, Eastover gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #166 of 290 in North Carolina. Most of that expected damage is river and rain flooding (64%), then hurricanes (23%). Flood insurance has paid 5 claims here since 2016.
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 Eastover 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
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 Eastover’s grade
River and rain flooding is 64% of the building damage FEMA expects in Eastover, and Eastover’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Next is hurricanes at 23% (higher than 85% of U.S. census tracts).
B− #166 of 290 in North Carolina; higher expected damage per building than 55% of U.S. towns (21,298).
Eastover’s residents live in 4 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, Eastover has more expected damage per building than 57% of North Carolina towns.
In dollars, FEMA expects about $1.2M a year in losses across Eastover: $850K to buildings, the rest to people and crops.
Does Eastover flood? Rarely: 5 flood claims since 2016
Every paid claim on a federal flood insurance policy in Eastover, from FEMA’s records: 3.2 per 1,000 homes, fewer than 50% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Matthew3 claims · $145K
- Hurricane Florence2 claims · $12K
Eastover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.3 federal disasters brought FEMA money to Eastover
Disasters that paid out in Eastover itself (aid to households or repair grants to the Town of Eastover), newest first, with that year’s flood claims.
- 2018Hurricane Florence50 households applied for aid$51K aid approved2 flood claims paid for it, $12K
- 2016Hurricane Matthew142 households applied for aid$415K aid approved3 flood claims paid for it, $145K
- 2011Severe Storms, Tornadoes, and Flooding4 households applied for aid$468 aid approved
Cumberland County has had 17 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Cumberland County, 2011–2011.
Old photos of Eastover after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eastover archive →Eastover and its neighbors
Eastover is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fayetteville | B−less damage than 52% | river and rain flooding | 400 |
| Eastover | B−more damage than 55% | river and rain flooding | 5 |
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 Eastover 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.
- 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 Eastover
Is Eastover at risk for natural disasters?
On FEMA’s National Risk Index, Eastover has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #166 of 290 in North Carolina. Most of the expected damage is river and rain flooding (64%) and hurricanes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eastover flood?
Flood insurance has paid 5 claims in Eastover since 2016, $157K in all, or 3.2 per 1,000 homes, fewer than 50% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Matthew (3).
Is Eastover 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 Cumberland County, 33% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Eastover?
FEMA’s Community Rating System list shows no discount for Eastover’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 Eastover?
By FEMA money that reached Eastover, Hurricane Matthew (2016): 142 households applied for aid, $415K approved. By flood claims, Hurricane Matthew: 3 paid, $145K.
Is Eastover at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Eastover’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eastover.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eastover’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.