FEMA puts Navassa’s expected hazard damage per building above that of 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Navassa gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns. Most of that expected damage is hurricanes (75%), then river and rain flooding (18%). Flood insurance has paid 4 claims here since 2006.
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 Navassa faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain 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. 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 Navassa’s grade
Hurricanes are 75% of the building damage FEMA expects in Navassa, and Navassa’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 6% of U.S. census tracts.
D− higher expected damage per building than 97% of U.S. towns (21,298).
Navassa’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $892K a year in losses across Navassa: $728K to buildings, the rest to people and crops.
Does Navassa flood? Rarely: 4 flood claims since 2006
Every paid claim on a federal flood insurance policy in Navassa, from FEMA’s records: 5.0 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence2 claims · $51K
- Tropical Storm Ernesto1 claim · $16K
Navassa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brunswick County.5 federal disasters brought FEMA money to Navassa
Disasters that paid out in Navassa itself (aid to households or repair grants to the Town of Navassa), newest first, with that year’s flood claims.
- 2018Hurricane Florence55 households applied for aid$87K aid approved$240K to the Town of Navassa for repairs2 flood claims paid for it, $51K
- 2016Hurricane Matthew9 households applied for aid$3K aid approved$7K to the Town of Navassa for repairs
- 2011Hurricane Irene13 households applied for aid$1K aid approved$4K to the Town of Navassa for repairs
- 2010Severe Storms, Flooding, and Straight-line Winds9 households applied for aid$2K aid approved
- 2003Hurricane Isabel19 households applied for aid$10K aid approved
Brunswick County has had 25 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Brunswick County, 2025–2025.
Old photos of Navassa after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Navassa archive →Navassa and its neighbors
Navassa is 2nd of the 2 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 |
|---|---|---|---|
| Leland | D−more damage than 97% | hurricanes | 58 |
| Navassa | D−more damage than 97% | hurricanes | 4 |
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 Navassa 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.
- 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.
- 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 Navassa
Is Navassa at risk for natural disasters?
On FEMA’s National Risk Index, Navassa has higher expected damage per building than 97% of U.S. towns: D− for hazard risk. Most of the expected damage is hurricanes (75%) and river and rain flooding (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Navassa flood?
Flood insurance has paid 4 claims in Navassa since 2006, $162K in all, or 5.0 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (2).
Is Navassa 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 Brunswick County, 78% of homes in mapped flood zones carry federal flood insurance, and 21.5% of all homes do.
How much is flood insurance in Navassa?
FEMA’s Community Rating System list shows no discount for Navassa’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 Navassa?
By FEMA money that reached Navassa, Hurricane Florence (2018): 55 households applied for aid, $87K approved, and $240K to the Town of Navassa for repairs. By flood claims, Hurricane Florence: 2 paid, $51K.
Is Navassa at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (75%), and Navassa’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Navassa.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Navassa’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.