Photo: Dclemens1971 · CC BY 4.0On FEMA’s figures, Stallings faces more hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stallings gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #204 of 290 in North Carolina. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 5 claims here since 1996.
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 Stallings 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
Tornadoes
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 Stallings’ grade
River and rain flooding is 83% of the building damage FEMA expects in Stallings, and Stallings’ rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C #204 of 290 in North Carolina; higher expected damage per building than 68% of U.S. towns (21,298).
Stallings’ residents live in 10 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, Stallings has more expected damage per building than 70% of North Carolina towns.
In dollars, FEMA expects about $6.7M a year in losses across Stallings: $5.1M to buildings, the rest to people and crops.
Does Stallings flood? Rarely: 5 flood claims since 1996
Every paid claim on a federal flood insurance policy in Stallings, from FEMA’s records: 0.8 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Fran1 claim · $11K
Stallings isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.The storms Stallings remembers
None of the 16 disasters declared for Union County shows FEMA aid or repair money reaching Stallings itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Blizzard of 96, declared for Union County
- 20051 flood claims paidNo declaration for the county that year
- 20141 flood claims paidNo declaration for the county that year
Union County has had 16 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 Stallings after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stallings archive →Stallings and its neighbors
Stallings is 3rd of the 5 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 |
|---|---|---|---|
| Matthews | C+more damage than 59% | river and rain flooding | 11 |
| Indian Trail | C+more damage than 65% | river and rain flooding | 10 |
| Stallings | Cmore damage than 68% | river and rain flooding | 5 |
| Weddington | Cmore damage than 71% | river and rain flooding | 1 |
| Hemby Bridge | Cmore damage than 72% | river and rain flooding | 1 |
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 Stallings faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Stallings
Is Stallings at risk for natural disasters?
On FEMA’s National Risk Index, Stallings has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #204 of 290 in North Carolina. Most of the expected damage is river and rain flooding (83%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stallings flood?
Flood insurance has paid 5 claims in Stallings since 1996, $209K in all, or 0.8 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Fran (1).
Is Stallings 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 Union County, 59% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Stallings?
FEMA’s Community Rating System list shows no discount for Stallings’ 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 Stallings?
By flood claims, Hurricane Fran: 1 paid, $11K.
Is Stallings at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Stallings’ rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stallings.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stallings’ 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.