Storms, floods and disasters in Minnesott Beach
Minnesott Beach isn’t graded for hazard risk: Minnesott Beach has 593 residents; we grade towns of 1,000 or more. Flood insurance has paid 12 claims here since 1999.
What Minnesott Beach faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
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 Minnesott Beach flood? Sometimes: 12 flood claims since 1999
Every paid claim on a federal flood insurance policy in Minnesott Beach, from FEMA’s records.
- Hurricane Florence6 claims · $67K
- Hurricane Irene2 claims · $12K
- Hurricane Isabel2 claims · $17K
Minnesott Beach is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Pamlico County.6 federal disasters brought FEMA money to Minnesott Beach
Disasters that paid out in Minnesott Beach itself (aid to households or repair grants to the Town of Minnesott Beach), newest first, with that year’s flood claims.
- 2018Hurricane Florence1 households applied for aid$31K to the Town of Minnesott Beach for repairs6 flood claims paid for it, $67K
- 2011Hurricane Irene3 households applied for aid$4K aid approved$3K to the Town of Minnesott Beach for repairs2 flood claims paid for it, $12K
- 2005Hurricane Ophelia$4K to the Town of Minnesott Beach for repairs
- 2003Hurricane Isabel$5K to the Town of Minnesott Beach for repairs2 flood claims paid for it, $17K
- 1999Hurricane Floyd Major Disaster Declarations$35K to the Town of Minnesott Beach for repairs1 flood claim paid for it, $6K
- 1999Hurricane Dennis$2K to the Town of Minnesott Beach for repairs
Pamlico County has had 20 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 Minnesott Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Minnesott Beach archive →Minnesott Beach and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Arapahoe | — | 397 residents; we grade 1,000+ | |
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 Minnesott Beach 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.
- 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.
- Minnesott Beach residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Minnesott Beach
Does Minnesott Beach flood?
Flood insurance has paid 12 claims in Minnesott Beach since 1999, $105K in all. 2 properties have flooded more than once. The most claims came from Hurricane Florence (6).
Is Minnesott Beach 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 Pamlico County, 63% of homes in mapped flood zones carry federal flood insurance, and 26.2% of all homes do.
How much is flood insurance in Minnesott Beach?
Minnesott Beach is in FEMA’s Community Rating System (class 8), which takes 10% 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 Minnesott Beach?
By FEMA money that reached Minnesott Beach, Hurricane Floyd Major Disaster Declarations (1999): $35K to the Town of Minnesott Beach for repairs. By flood claims, Hurricane Florence: 6 paid, $67K.
Storm stories
Memories, warnings and help from neighbors in Minnesott Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Minnesott Beach’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.