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C+Hazard risk
Natural hazards in Farmville · FEMA

FEMA expects about as much hazard damage per building in Farmville as in the typical U.S. town, mostly from hurricanes

On FEMA’s National Risk Index, Farmville gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #175 of 290 in North Carolina. Most of that expected damage is hurricanes (52%), then river and rain flooding (35%). Flood insurance has paid 28 claims here since 1999.

Hurricanes 52%River and rain flooding 35%Tornadoes 9%

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

more than 58%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#175 of 290 in North Carolina
Hazard risk
C+#175 of 290
in North Carolina · higher than 58% of U.S. towns
Main hazard
Hurricanes
52% of expected building damage
Flood claims
28
paid since 1999 · $844K
Flood insurance
15% off
Community discount (class 7)

What stands out about Farmville’s natural hazards

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

15% off flood insuranceFlood-proofing work earns Farmville residents a discount through FEMA’s Community Rating System (class 7).Moved out of harm’s way17 flood-prone properties bought out and cleared with FEMA grants.Remembers 199922 flood claims were paid for 1999 alone, the most of any year.
By hazard

What Farmville faces

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

Hurricanes

52%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

35%of expected building damage
Well below average · lower than 84% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

9%of expected building damage
Above average · higher than 77% of U.S. census tracts
Smaller shares here
 Earthquakes Hail Ice storms Strong wind Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic 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 Farmville’s grade

Hurricanes are 52% of the building damage FEMA expects in Farmville, and Farmville’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Next is river and rain flooding at 35% (lower than 84% of U.S. census tracts).

Where Farmville sits
Farmville
Least damageMiddleMost damage

C+ #175 of 290 in North Carolina; higher expected damage per building than 58% of U.S. towns (21,298).

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

What drives the damage to buildings
Hurricanes52%River and rain flooding35%Tornadoes9%Everything else5%

The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Farmville has more expected damage per building than 60% of North Carolina towns.

In dollars, FEMA expects about $2.2M a year in losses across Farmville: $1.7M to buildings, the rest to people and crops.

Shared tract.All of Farmville’s 4,461 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 Farmville flood? Sometimes: 28 flood claims since 1999

Every paid claim on a federal flood insurance policy in Farmville, from FEMA’s records: 12.8 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1999: 22 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 1 claim2015: 0 claims2016: 4 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199920142016
19992026
Biggest named events
  • Hurricane Floyd22 claims · $729K
  • Hurricane Matthew4 claims · $45K
  • Hurricane Florence1 claim · $52K
28
paid claims since 1999
$844K
paid to owners
0
homes flooded more than once
$30K
average claim
of homes in flood zones are insured
of all homes are insured
Community discount15% off flood insurance

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

Insurance rates: Pitt County.
What’s been done with FEMA grants
17flood-prone properties bought out and cleared
Disasters

6 federal disasters brought FEMA money to Farmville

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

  1. 2018Hurricane Florence45 households applied for aid$12K aid approved$98K to the Town of Farmville for repairs1 flood claim paid for it, $52K
  2. 2016Hurricane Matthew119 households applied for aid$125K aid approved$113K to the Town of Farmville for repairs4 flood claims paid for it, $45K
  3. 2011Hurricane Irene154 households applied for aid$132K aid approved$251K to the Town of Farmville for repairs
  4. 2011Severe Storms, Tornadoes, and Flooding137 households applied for aid$66K aid approved$106K to the Town of Farmville for repairs
  5. 2003Hurricane Isabel68 households applied for aid$80K aid approved$244K to the Town of Farmville for repairs
  6. 1999Hurricane Floyd Major Disaster Declarations$851K to the Town of Farmville for repairs22 flood claims paid for it, $729K
Disasters declared, by decade
Paid out in FarmvillePitt County only

Pitt County has had 22 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 Farmville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Farmville archive →
Be ready

Get ready for what Farmville 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 ↗
Tornado warnings
  • 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.
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.
  • Farmville 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 Farmville

Is Farmville at risk for natural disasters?

On FEMA’s National Risk Index, Farmville has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #175 of 290 in North Carolina. Most of the expected damage is hurricanes (52%) and river and rain flooding (35%). 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 Farmville flood?

Flood insurance has paid 28 claims in Farmville since 1999, $844K in all, or 12.8 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. The most claims came from Hurricane Floyd (22).

Is Farmville 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 Pitt County, 34% of homes in mapped flood zones carry federal flood insurance, and 2.3% of all homes do.

How much is flood insurance in Farmville?

Farmville 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 Farmville?

By FEMA money that reached Farmville, Hurricane Floyd Major Disaster Declarations (1999): $851K to the Town of Farmville for repairs. By flood claims, Hurricane Floyd: 22 paid, $729K.

Is Farmville at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (52%), and Farmville’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Farmville.

Town Square →
Start the conversation

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