Photo: Evanoco · CC BY-SA 4.0Storms, floods and disasters in North
North isn’t graded for hazard risk: North has 675 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2024.
What North 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
Hurricanes
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.
Does North flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in North, from FEMA’s records.
North isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orangeburg County.5 federal disasters brought FEMA money to North
Disasters that paid out in North itself (aid to households or repair grants to the Town of North), newest first, with that year’s flood claims.
- 2024Hurricane Helene535 households applied for aid$1.1M aid approved1 flood claim paid that year
- 2020Severe Storms, Tornadoes, and Straight-line Winds34 households applied for aid$104K aid approved
- 2016Hurricane Matthew30 households applied for aid$22K aid approved
- 2015Severe Storms and Flooding305 households applied for aid$193K aid approved
- 2004Severe Ice Storm$8K to the Town of North for repairs
Orangeburg County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of North after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North archive →Get ready for what North 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.
- 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.
- 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 North
Does North flood?
Flood insurance has paid 1 claim in North since 2024, $105K in all.
Is North 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 Orangeburg County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in North?
FEMA’s Community Rating System list shows no discount for North’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 North?
By FEMA money that reached North, Hurricane Helene (2024): 535 households applied for aid, $1.1M approved.
Storm stories
Memories, warnings and help from neighbors in North.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North’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.