On FEMA’s figures, Edneyville 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, Edneyville gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #183 of 290 in North Carolina. Most of that expected damage is river and rain flooding (85%). FEMA’s files show no paid flood insurance claims here.
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 Edneyville 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 Edneyville’s grade
River and rain flooding is 85% of the building damage FEMA expects in Edneyville, and Edneyville’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Ice storms add 4%, at a rate in the top 4% of U.S. census tracts.
C+ #183 of 290 in North Carolina; higher expected damage per building than 59% of U.S. towns (21,298).
Edneyville’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, Edneyville has more expected damage per building than 63% of North Carolina towns.
In dollars, FEMA expects about $931K a year in losses across Edneyville: $591K to buildings, the rest to people and crops.
Does Edneyville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Edneyville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Edneyville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henderson County.3 federal disasters brought FEMA money to Edneyville
Disasters that paid out in Edneyville itself (aid to households or repair grants to Edneyville), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene10 households applied for aid$11K aid approved
- 2004Hurricane Ivan7 households applied for aid$6K aid approved
- 2004Tropical Storm Frances5 households applied for aid$13K aid approved
Henderson County has had 13 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Henderson County, 2016–2016.
Old photos of Edneyville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Edneyville archive →Get ready for what Edneyville 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 Edneyville
Is Edneyville at risk for natural disasters?
On FEMA’s National Risk Index, Edneyville has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #183 of 290 in North Carolina. Most of the expected damage is river and rain flooding (85%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Edneyville 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 Henderson County, 44% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Edneyville?
FEMA’s Community Rating System list shows no discount for Edneyville’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 Edneyville?
By FEMA money that reached Edneyville, Tropical Storm Frances (2004): 5 households applied for aid, $13K approved.
Is Edneyville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Edneyville’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Edneyville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Edneyville’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.