FEMA expects more hazard damage per building in Unionville than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Unionville gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #205 of 290 in North Carolina. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 6 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 Unionville 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 Unionville’s grade
River and rain flooding is 84% of the building damage FEMA expects in Unionville, and Unionville’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C #205 of 290 in North Carolina; higher expected damage per building than 71% of U.S. towns (21,298).
Unionville’s residents live in 6 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, Unionville has more expected damage per building than 71% of North Carolina towns.
In dollars, FEMA expects about $3.5M a year in losses across Unionville: $2.7M to buildings, the rest to people and crops.
Does Unionville flood? Rarely: 6 flood claims since 2018
Every paid claim on a federal flood insurance policy in Unionville, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence5 claims · $241K
Unionville 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 Unionville remembers
None of the 16 disasters declared for Union County shows FEMA aid or repair money reaching Unionville itself in FEMA’s records, so these are its biggest flood-claim years.
- 20185 flood claims paidThe year of Hurricane Florence, declared for Union County
- 20201 flood claims paidThe year of Hurricane Isaias, declared for Union County
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 Unionville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Unionville archive →Unionville and its neighbors
Unionville is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Unionville 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 Unionville
Is Unionville at risk for natural disasters?
On FEMA’s National Risk Index, Unionville has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #205 of 290 in North Carolina. Most of the expected damage is river and rain flooding (84%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Unionville flood?
Flood insurance has paid 6 claims in Unionville since 2018, $244K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Florence (5).
Is Unionville 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 Unionville?
FEMA’s Community Rating System list shows no discount for Unionville’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 Unionville?
By flood claims, Hurricane Florence: 5 paid, $241K.
Is Unionville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Unionville’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Unionville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Unionville’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.