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DavieCourt1Photo: Ceh2624 · CC BY-SA 3.0
A−Hazard risk
Natural hazards in Mocksville · FEMA

FEMA puts Mocksville’s expected hazard damage per building below that of 80% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mocksville gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #22 of 290 in North Carolina. Most of that expected damage is river and rain flooding (74%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 74%Ice storms 7%Hurricanes 7%

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

less than 80%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#22 of 290 in North Carolina
Hazard risk
A−#22 of 290
in North Carolina · lower than 80% of U.S. towns
Main hazard
River and rain flooding
74% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 19 declared for Davie County
By hazard

What Mocksville 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

74%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about once every 3 years in the area

Ice storms

7%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

7%of expected building damage
Above average · higher than 69% of U.S. census tracts
Recorded about once every 11 years in the area

Earthquakes

5%of expected building damage
About average · higher than 55% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Strong wind Lightning Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 8% of Mocksville’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Mocksville’s grade

River and rain flooding is 74% of the building damage FEMA expects in Mocksville, and Mocksville’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Ice storms add 7%, at a rate in the top 4% of U.S. census tracts.

Where Mocksville sits
Mocksville
Least damageMiddleMost damage

A− #22 of 290 in North Carolina; lower expected damage per building than 80% of U.S. towns (21,298).

Mocksville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding74%Ice storms7%Hurricanes7%Everything else12%

The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Mocksville has less expected damage per building than 93% of North Carolina towns.

In dollars, FEMA expects about $1.7M a year in losses across Mocksville: $1.4M to buildings, the rest to people and crops.

A small-area figure. Mocksville covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Mocksville flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Mocksville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Mocksville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Davie County.
Disasters

4 federal disasters brought FEMA money to Mocksville

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

  1. 2024Tropical Storm Helene27 households applied for aid$10K aid approved
  2. 2018Tropical Storm Michael$91K to the Town of Mocksville for repairs
  3. 2014Severe Winter Storm$53K to the Town of Mocksville for repairs
  4. 2002Severe Ice Storm$18K to the Town of Mocksville for repairs
Disasters declared, by decade
Paid out in MocksvilleDavie County only

Davie County has had 19 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 Mocksville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mocksville archive →
Be ready

Get ready for what Mocksville faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

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 ↗
Ice storms
  • Ice brings down trees and lines: plan for days without power.
  • Run a generator outside, far from doors and windows.
  • Keep sand or salt by the door.
More from Ready.gov ↗
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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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.
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 Mocksville

Is Mocksville at risk for natural disasters?

On FEMA’s National Risk Index, Mocksville has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #22 of 290 in North Carolina. Most of the expected damage is river and rain flooding (74%) and ice storms (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Mocksville 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 Davie County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Mocksville?

FEMA’s Community Rating System list shows no discount for Mocksville’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 Mocksville?

By FEMA money that reached Mocksville, Tropical Storm Michael (2018): $91K to the Town of Mocksville for repairs.

Is Mocksville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (74%), and Mocksville’s rate for it is lower than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mocksville.

Town Square →
Start the conversation

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