Ellsworth and Lovie Ballance House · Photo: Jasonspsyche · CC BY-SA 3.0Storms, floods and disasters in Hatteras
Hatteras isn’t graded for hazard risk: Hatteras has 152 residents; we grade towns of 1,000 or more.
What Hatteras faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
Coastal 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. 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.
Does Hatteras flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hatteras. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hatteras isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dare County.3 federal disasters brought FEMA money to Hatteras
Disasters that paid out in Hatteras itself (aid to households or repair grants to Hatteras), newest first, with that year’s flood claims.
- 2016Hurricane Matthew153 households applied for aid$333K aid approved
- 2011Hurricane Irene50 households applied for aid$7K aid approved
- 2003Hurricane Isabel243 households applied for aid$392K aid approved
Dare 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.
Old photos of Hatteras after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hatteras archive →Get ready for what Hatteras faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Hatteras
Is Hatteras 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 Dare County, 84% of homes in mapped flood zones carry federal flood insurance, and 39.7% of all homes do.
How much is flood insurance in Hatteras?
FEMA’s Community Rating System list shows no discount for Hatteras’ 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 Hatteras?
By FEMA money that reached Hatteras, Hurricane Isabel (2003): 243 households applied for aid, $392K approved.
Storm stories
Memories, warnings and help from neighbors in Hatteras.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hatteras’ 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.