FEMA expects more hazard damage per building in Silver Lake than in 98% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Silver Lake gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns, #264 of 290 in North Carolina. Most of that expected damage is hurricanes (70%), then river and rain flooding (25%). Flood insurance has paid 7 claims here since 2018.
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 Silver Lake 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 Silver Lake’s grade
Hurricanes are 70% of the building damage FEMA expects in Silver Lake, and Silver Lake’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 3% of U.S. census tracts.
D− #264 of 290 in North Carolina; higher expected damage per building than 98% of U.S. towns (21,298).
Silver Lake’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Silver Lake has more expected damage per building than 91% of North Carolina towns.
In dollars, FEMA expects about $6.3M a year in losses across Silver Lake: $5.5M to buildings, the rest to people and crops.
Does Silver Lake flood? Rarely: 7 flood claims since 2018
Every paid claim on a federal flood insurance policy in Silver Lake, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence6 claims · $143K
- Tropical Cyclone Eight1 claim · $2K
Silver Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: New Hanover County.The storms Silver Lake remembers
None of the 23 disasters declared for New Hanover County shows FEMA aid or repair money reaching Silver Lake itself in FEMA’s records, so these are its biggest flood-claim years.
- 20186 flood claims paidThe year of Hurricane Florence, declared for New Hanover County
- 20241 flood claims paidThe year of Hurricane Helene, declared for New Hanover County
New Hanover 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 Silver Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Silver Lake archive →Silver Lake and its neighbors
Silver Lake is 3rd of the 3 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 |
|---|---|---|---|
| Wilmington | D−more damage than 96% | hurricanes | 469 |
| Myrtle Grove | D−more damage than 97% | hurricanes | 217 |
| Silver Lake | D−more damage than 98% | hurricanes | 7 |
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 Silver Lake 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 Silver Lake
Is Silver Lake at risk for natural disasters?
On FEMA’s National Risk Index, Silver Lake has higher expected damage per building than 98% of U.S. towns: D− for hazard risk, #264 of 290 in North Carolina. Most of the expected damage is hurricanes (70%) and river and rain flooding (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Silver Lake flood?
Flood insurance has paid 7 claims in Silver Lake since 2018, $145K in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (6).
Is Silver Lake 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 New Hanover County, 75% of homes in mapped flood zones carry federal flood insurance, and 14.7% of all homes do.
How much is flood insurance in Silver Lake?
FEMA’s Community Rating System list shows no discount for Silver Lake’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 Silver Lake?
By flood claims, Hurricane Florence: 6 paid, $143K.
Is Silver Lake at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (70%), and Silver Lake’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Silver Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Silver Lake’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.