FEMA puts Stanfield’s expected hazard damage per building above that of 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stanfield gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (79%). FEMA’s files show no paid flood insurance claims here.
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 Stanfield 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
Hurricanes
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 Stanfield’s grade
River and rain flooding is 79% of the building damage FEMA expects in Stanfield, and Stanfield’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C+ higher expected damage per building than 61% of U.S. towns (21,298).
Stanfield’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $519K a year in losses across Stanfield: $404K to buildings, the rest to people and crops.
Does Stanfield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stanfield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stanfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Stanly County.1 federal disaster brought FEMA money to Stanfield
Disasters that paid out in Stanfield itself (aid to households or repair grants to the Town of Stanfield), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene12 households applied for aid$2K aid approved
Stanly 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 Stanfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stanfield archive →Stanfield and its neighbors
Stanfield 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 |
|---|---|---|---|
| Locust | Bless damage than 56% | river and rain flooding | — |
| Stanfield | C+more damage than 61% | river and rain flooding | 0 |
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 Stanfield 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.
- 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.
- 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 Stanfield
Is Stanfield at risk for natural disasters?
On FEMA’s National Risk Index, Stanfield has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Stanfield 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 Stanly County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Stanfield?
FEMA’s Community Rating System list shows no discount for Stanfield’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 Stanfield?
By FEMA money that reached Stanfield, Tropical Storm Helene (2024): 12 households applied for aid, $2K approved.
Is Stanfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Stanfield’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stanfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stanfield’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.