On FEMA’s figures, Fairview faces more hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fairview gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #214 of 290 in North Carolina. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 3 claims here since 2015.
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 Fairview 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
Tornadoes
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 Fairview’s grade
River and rain flooding is 86% of the building damage FEMA expects in Fairview, and Fairview’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C #214 of 290 in North Carolina; higher expected damage per building than 73% of U.S. towns (21,298).
Fairview’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, Fairview has more expected damage per building than 74% of North Carolina towns.
In dollars, FEMA expects about $2.0M a year in losses across Fairview: $1.5M to buildings, the rest to people and crops.
Does Fairview flood? Rarely: 3 flood claims since 2015
Every paid claim on a federal flood insurance policy in Fairview, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence2 claims · $29K
Fairview isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.4 federal disasters brought FEMA money to Fairview
Disasters that paid out in Fairview itself (aid to households or repair grants to the Town of Fairview), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene3,354 households applied for aid$19.1M aid approved
- 2021Remnants of Tropical Storm Fred56 households applied for aid$60K aid approved
- 2004Hurricane Ivan87 households applied for aid$187K aid approved
- 2004Tropical Storm Frances55 households applied for aid$96K aid approved
Union County has had 16 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 Fairview after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fairview archive →Fairview and its neighbors
Fairview is 3rd of the 3 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 |
|---|---|---|---|
| Indian Trail | C+more damage than 65% | river and rain flooding | 10 |
| Unionville | Cmore damage than 71% | river and rain flooding | 6 |
| Fairview | Cmore damage than 73% | river and rain flooding | 3 |
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 Fairview 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Fairview
Is Fairview at risk for natural disasters?
On FEMA’s National Risk Index, Fairview has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #214 of 290 in North Carolina. Most of the expected damage is river and rain flooding (86%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fairview flood?
Flood insurance has paid 3 claims in Fairview since 2015, $49K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (2).
Is Fairview 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 Union County, 59% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Fairview?
FEMA’s Community Rating System list shows no discount for Fairview’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 Fairview?
By FEMA money that reached Fairview, Tropical Storm Helene (2024): 3,354 households applied for aid, $19.1M approved. By flood claims, Hurricane Florence: 2 paid, $29K.
Is Fairview at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Fairview’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fairview.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fairview’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.