Photo: Gerry Dincher from Hope Mills, NC · CC BY-SA 2.0FEMA expects less hazard damage per building in Taylorsville than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Taylorsville gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (72%). 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 Taylorsville 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
Ice storms
Earthquakes
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 Taylorsville’s grade
River and rain flooding is 72% of the building damage FEMA expects in Taylorsville, and Taylorsville’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Ice storms add 7%, at a rate in the top 4% of U.S. census tracts.
A− lower expected damage per building than 77% of U.S. towns (21,298).
All of Taylorsville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $678K a year in losses across Taylorsville: $547K to buildings, the rest to people and crops.
Does Taylorsville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Taylorsville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Taylorsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Alexander County.2 federal disasters brought FEMA money to Taylorsville
Disasters that paid out in Taylorsville itself (aid to households or repair grants to the Town of Taylorsville), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene735 households applied for aid$1.1M aid approved$506K to the Town of Taylorsville for repairs
- 2002Severe Ice Storm$5K to the Town of Taylorsville for repairs
Alexander County has had 15 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 Taylorsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Taylorsville archive →Get ready for what Taylorsville 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Taylorsville
Is Taylorsville at risk for natural disasters?
On FEMA’s National Risk Index, Taylorsville has lower expected damage per building than 77% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Taylorsville 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 Alexander County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Taylorsville?
FEMA’s Community Rating System list shows no discount for Taylorsville’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 Taylorsville?
By FEMA money that reached Taylorsville, Tropical Storm Helene (2024): 735 households applied for aid, $1.1M approved, and $506K to the Town of Taylorsville for repairs.
Is Taylorsville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Taylorsville’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Taylorsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Taylorsville’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.