Sutton-Newby House · Photo: Waterman, Thomas T., creator · Public domainStorms, floods and disasters in Winfall
Winfall isn’t graded for hazard risk: Winfall has 697 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 2003.
What Winfall faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
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.
Does Winfall flood? Rarely: 3 flood claims since 2003
Every paid claim on a federal flood insurance policy in Winfall, from FEMA’s records.
- Hurricane Isabel2 claims · $30K
- Hurricane Matthew1 claim · $32K
Winfall isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Perquimans County.4 federal disasters brought FEMA money to Winfall
Disasters that paid out in Winfall itself (aid to households or repair grants to the Town of Winfall), newest first, with that year’s flood claims.
- 2019Hurricane Dorian$7K to the Town of Winfall for repairs
- 2011Hurricane Irene6 households applied for aid$2K aid approved$16K to the Town of Winfall for repairs
- 2005Hurricane Ophelia$900 to the Town of Winfall for repairs
- 2003Hurricane Isabel76 households applied for aid$82K aid approved$71K to the Town of Winfall for repairs2 flood claims paid for it, $30K
Perquimans County has had 18 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 Winfall after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winfall archive →Winfall and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hertford | Dmore damage than 90% | hurricanes | 15 |
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 Winfall faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Winfall
Does Winfall flood?
Flood insurance has paid 3 claims in Winfall since 2003, $62K in all. The most claims came from Hurricane Isabel (2).
Is Winfall 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 Perquimans County, 75% of homes in mapped flood zones carry federal flood insurance, and 6.0% of all homes do.
How much is flood insurance in Winfall?
FEMA’s Community Rating System list shows no discount for Winfall’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 Winfall?
By FEMA money that reached Winfall, Hurricane Isabel (2003): 76 households applied for aid, $82K approved, and $71K to the Town of Winfall for repairs. By flood claims, Hurricane Isabel: 2 paid, $30K.
Storm stories
Memories, warnings and help from neighbors in Winfall.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winfall’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.