Photo: Dclemens1971 · CC BY 4.0On FEMA’s figures, Weddington faces more hazard damage per building than 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weddington gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #208 of 290 in North Carolina. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 1 claim 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 Weddington 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 Weddington’s grade
River and rain flooding is 85% of the building damage FEMA expects in Weddington, and Weddington’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts. Ice storms add 3%, at a rate in the top 6% of U.S. census tracts.
C #208 of 290 in North Carolina; higher expected damage per building than 71% of U.S. towns (21,298).
Weddington’s residents live in 8 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, Weddington has more expected damage per building than 72% of North Carolina towns.
In dollars, FEMA expects about $7.5M a year in losses across Weddington: $6.3M to buildings, the rest to people and crops.
Does Weddington flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Weddington, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Florence1 claim · $4K
Weddington 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.1 federal disaster brought FEMA money to Weddington
Disasters that paid out in Weddington itself (aid to households or repair grants to the Town of Weddington), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene8 households applied for aid$3K aid approved
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 Weddington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weddington archive →Weddington and its neighbors
Weddington is 5th of the 6 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 |
|---|---|---|---|
| Charlotte | C+more damage than 56% | river and rain flooding | 2,023 |
| Indian Trail | C+more damage than 65% | river and rain flooding | 10 |
| Marvin | Cmore damage than 66% | river and rain flooding | — |
| Stallings | Cmore damage than 68% | river and rain flooding | 5 |
| Weddington | Cmore damage than 71% | river and rain flooding | 1 |
| Wesley Chapel | Dmore damage than 86% | river and rain flooding | 4 |
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 Weddington 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 Weddington
Is Weddington at risk for natural disasters?
On FEMA’s National Risk Index, Weddington has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #208 of 290 in North Carolina. Most of the expected damage is river and rain flooding (85%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Weddington flood?
Flood insurance has paid 1 claim in Weddington since 2018, $4K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record. The most claims came from Hurricane Florence (1).
Is Weddington 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 Weddington?
FEMA’s Community Rating System list shows no discount for Weddington’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 Weddington?
By FEMA money that reached Weddington, Tropical Storm Helene (2024): 8 households applied for aid, $3K approved. By flood claims, Hurricane Florence: 1 paid, $4K.
Is Weddington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Weddington’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weddington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weddington’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.