Photo: Gerry Dincher · CC BY-SA 2.0FEMA expects about as much hazard damage per building in Tobaccoville as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Tobaccoville gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #154 of 290 in North Carolina. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 1 claim here since 2017.
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 Tobaccoville 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
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 Tobaccoville’s grade
River and rain flooding is 85% of the building damage FEMA expects in Tobaccoville, and Tobaccoville’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Ice storms add 2%, at a rate in the top 8% of U.S. census tracts.
B− #154 of 290 in North Carolina; higher expected damage per building than 52% of U.S. towns (21,298).
Tobaccoville’s residents live in 4 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, Tobaccoville has more expected damage per building than 53% of North Carolina towns.
In dollars, FEMA expects about $760K a year in losses across Tobaccoville: $649K to buildings, the rest to people and crops.
Does Tobaccoville flood? Rarely: 1 flood claim since 2017
Every paid claim on a federal flood insurance policy in Tobaccoville, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Tobaccoville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Forsyth County.1 federal disaster brought FEMA money to Tobaccoville
Disasters that paid out in Tobaccoville itself (aid to households or repair grants to the Village of Tobaccoville), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene4 households applied for aid$300 aid approved
Forsyth County has had 21 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 Tobaccoville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tobaccoville archive →Tobaccoville and its neighbors
Tobaccoville 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 |
|---|---|---|---|
| King | B+less damage than 71% | river and rain flooding | 2 |
| Winston-Salem | B−less damage than 53% | river and rain flooding | 250 |
| Tobaccoville | B−more damage than 52% | 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 Tobaccoville 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.
- 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 Tobaccoville
Is Tobaccoville at risk for natural disasters?
On FEMA’s National Risk Index, Tobaccoville has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #154 of 290 in North Carolina. Most of the expected damage is river and rain flooding (85%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Tobaccoville flood?
Flood insurance has paid 1 claim in Tobaccoville since 2017, $5K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is Tobaccoville 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 Forsyth County, 45% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Tobaccoville?
FEMA’s Community Rating System list shows no discount for Tobaccoville’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 Tobaccoville?
By FEMA money that reached Tobaccoville, Tropical Storm Helene (2024): 4 households applied for aid, $300 approved.
Is Tobaccoville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Tobaccoville’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tobaccoville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tobaccoville’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.