Storms, floods and disasters in Pantego
Pantego isn’t graded for hazard risk: Pantego has 493 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 1996.
What Pantego 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
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. 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.
Does Pantego flood? Sometimes: 15 flood claims since 1996
Every paid claim on a federal flood insurance policy in Pantego, from FEMA’s records.
- Hurricane Florence5 claims · $78K
- Hurricane Irene2 claims · $43K
- Hurricane Isabel2 claims · $11K
Pantego isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Beaufort County.7 federal disasters brought FEMA money to Pantego
Disasters that paid out in Pantego itself (aid to households or repair grants to the Town of Pantego), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene2 households applied for aid$1K aid approved
- 2018Hurricane Florence23 households applied for aid$12K aid approved5 flood claims paid for it, $78K
- 2016Hurricane Matthew23 households applied for aid$21K aid approved
- 2011Hurricane Irene117 households applied for aid$110K aid approved$7K to the Town of Pantego for repairs2 flood claims paid for it, $43K
- 2010Severe Storms, Flooding, and Straight-line Winds41 households applied for aid$48K aid approved
- 2003Hurricane Isabel127 households applied for aid$90K aid approved$2K to the Town of Pantego for repairs2 flood claims paid for it, $11K
Show all 7
- 1999Hurricane Floyd Major Disaster Declarations$2K to the Town of Pantego for repairs3 flood claims paid that year
Beaufort County has had 23 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 Pantego after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pantego archive →Get ready for what Pantego 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.
- 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 Pantego
Does Pantego flood?
Flood insurance has paid 15 claims in Pantego since 1996, $193K in all. 3 properties have flooded more than once. The most claims came from Hurricane Florence (5).
Is Pantego 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 Beaufort County, 56% of homes in mapped flood zones carry federal flood insurance, and 13.5% of all homes do.
How much is flood insurance in Pantego?
FEMA’s Community Rating System list shows no discount for Pantego’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 Pantego?
By FEMA money that reached Pantego, Hurricane Irene (2011): 117 households applied for aid, $110K approved, and $7K to the Town of Pantego for repairs. By flood claims, Hurricane Florence: 5 paid, $78K.
Storm stories
Memories, warnings and help from neighbors in Pantego.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pantego’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.