FEMA expects more hazard damage per building in Hemby Bridge than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hemby Bridge gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 1 claim here since 2024.
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 Hemby Bridge 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 Hemby Bridge’s grade
River and rain flooding is 86% of the building damage FEMA expects in Hemby Bridge, and Hemby Bridge’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C higher expected damage per building than 72% of U.S. towns (21,298).
Hemby Bridge’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $592K a year in losses across Hemby Bridge: $440K to buildings, the rest to people and crops.
Does Hemby Bridge flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in Hemby Bridge, from FEMA’s records: 1.3 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
Hemby Bridge 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.The storms Hemby Bridge remembers
None of the 16 disasters declared for Union County shows FEMA aid or repair money reaching Hemby Bridge itself in FEMA’s records, so these are its biggest flood-claim years.
- 20241 flood claims paidThe year of Tropical Storm Helene, declared for Union County
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 Hemby Bridge after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hemby Bridge archive →Hemby Bridge and its neighbors
Hemby Bridge is 4th of the 4 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 |
|---|---|---|---|
| Lake Park | C+more damage than 59% | river and rain flooding | — |
| Indian Trail | C+more damage than 65% | river and rain flooding | 10 |
| Stallings | Cmore damage than 68% | river and rain flooding | 5 |
| Hemby Bridge | Cmore damage than 72% | river and rain flooding | 1 |
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 Hemby Bridge 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 Hemby Bridge
Is Hemby Bridge at risk for natural disasters?
On FEMA’s National Risk Index, Hemby Bridge has higher expected damage per building than 72% of U.S. towns: C for hazard risk. 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 Hemby Bridge flood?
Flood insurance has paid 1 claim in Hemby Bridge since 2024, $3K in all, or 1.3 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Hemby Bridge 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 Hemby Bridge?
FEMA’s Community Rating System list shows no discount for Hemby Bridge’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hemby Bridge at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Hemby Bridge’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hemby Bridge.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hemby Bridge’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.