Hazard Plain Automated baseline

Iredell County, NC

Risk-assessment baseline packet

County FIPS:
37097
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2030-06-05. Plan: Iredell Rowan Regional (FEMA plan 110627), approved 2025-06-06.

Since the plan was approved on 2025-06-06: 1 new hazard declaration (1 incident) and 21 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($35,037,813 a year), Tornado ($6,714,788) and Cold Wave ($3,423,445).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2030-06-05
Plan:
Iredell Rowan Regional (FEMA plan 110627)
Approved:
2025-06-06
Days to expiry:
1,344

What changed since your last plan (approved 2025-06-06)

New federal declarations:
1 new hazard declaration (1 incident): EM-3637-NC (Severe Winter Storm)
Storm Events records since approval:
21 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 0, SRL 0 (44 CFR 77.2); any definition: 6
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryNotes
Iredell County (unincorporated area)UnincorporatedApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344
Davidson townTownApproved, expires 2030-10-13Mecklenburg County (FEMA plan 111011)2025-10-142030-10-131,474this jurisdiction approved 2025-10-21
Harmony townTownApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344
Love Valley townTownApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344this jurisdiction approved 2025-08-19
Mooresville townTownApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344this jurisdiction approved 2025-06-18
Statesville cityCityApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344
Troutman townTownApproved, expires 2030-06-05Iredell Rowan Regional (FEMA plan 110627)2025-06-062030-06-051,344this jurisdiction approved 2025-06-20

Plan 110627 covers 10 other participants, named in the Excel file.

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively ModerateRelatively Moderate$34,914,503$81,357$41,952$35,037,81330
2TornadoRelatively ModerateRelatively Moderate$4,174,215$3,461$2,537,111$6,714,78813
3Cold WaveRelatively ModerateRelatively Moderate$46$62,832$3,360,567$3,423,44512Includes 4 Frost/Freeze records (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor).
4EarthquakeRelatively LowRelatively Low$1,671,978n/a$295,388$1,967,366Storm Events does not record earthquakes.
5Strong WindRelatively ModerateRelatively High$159,208$11,283$1,694,061$1,864,551303Includes 14 High Wind and 8 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
6Ice StormRelatively HighVery High$1,400,568n/a$265,920$1,666,4889
7LightningRelatively ModerateRelatively Moderate$85,188n/a$683,580$768,76924
8HurricaneRelatively LowRelatively Low$542,278$176,280$25,576$744,1343
9Heat WaveRelatively LowRelatively Low$34$44$381,154$381,2312
10HailRelatively LowRelatively Low$369,048$6,631$762$376,441141
11DroughtRelatively LowRelatively Lown/a$209,087n/a$209,08735
12Winter WeatherRelatively LowRelatively Moderate$7,470$605$101,722$109,797108Includes 4 Sleet records (outside NRI's Winter Weather definition).
13WildfireVery LowVery Low$34,280$25$4,610$38,9160No recorded events in Storm Events since 1996 (data through 2026-06-30).
14LandslideRelatively LowVery Low$3,726n/a$312$4,0380Declared 1 time; no Storm Events record of this type.

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local wildfire and landslide records (Storm Events records these hazards only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 604 (Relatively Low, 76.0); tract 606.01 (Relatively Low, 73.7); tract 601 (Relatively Low, 72.4)
Hurricanetract 608.02 (Relatively Low, 62.2); tract 609.01 (Relatively Low, 62.2); tract 609.02 (Relatively Low, 61.4)
Landslidetract 609.01 (Relatively Low, 93.1); tract 612.05 (Relatively Low, 90.4); tract 609.02 (Relatively Low, 88.6)
Tornadotract 614.02 (Relatively High, 83.9); tract 612.01 (Relatively High, 81.3); tract 613.03 (Relatively High, 78.7)
Wildfiretract 614.06 (Relatively Low, 80.4); tract 612.04 (Relatively Low, 76.0); tract 614.07 (Relatively Low, 74.8)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 604 is Census Tract 604). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill8 records, 1997 to 2026 (8 zone-level)1 day to 31 days (median 2 days); 8 with a recorded valueDecember 2000 (1 monthly summary record), zone-levelCountywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)crop damage4 records, 2002 to 2007 (4 zone-level)Frost/Freeze, 2007-04-08, $1,000,000 crop damage (2007 dollars); NWS zone NCZ036Countywide (zone-level records).
DroughtU.S. Drought Monitor scale (D0 to D4)35 records, 1998 to 2026 (35 zone-level)31 days to 276 days (median 61 days); 12 with a recorded value276 days (9 months), 2007-05-01 to 2008-01-31, a run of 9 consecutive Storm Events drought records, zone-levelCountywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)163 records, 1983 to 20260.75 in to 2.75 in (median 0.88 in); 163 with a recorded value2.75 in hail, 1988-05-03Hail, 1997-05-01, $10,000 property; crops not reported (1997 dollars)Event records naming jurisdictions in the plan: Statesville city (37 records), Mooresville town (31 records), Harmony town (11 records), Love Valley town (7 records), Troutman town (7 records).
Excessive Heat, Heatheat index (in event narratives)2 records, 2012 (2 zone-level)3 days; 1 with a recorded value3 consecutive days, 2012-06-29 to 2012-07-01, zone-levelCountywide (zone-level records).
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson3 records, 2018 to 2022 (3 zone-level)Strongest recorded: Tropical Storm record, 2020-10-29, $200,000 property; $0 crops (2020 dollars); NWS zone NCZ036Countywide (zone-level records).Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)9 records, 1996 to 2019 (9 zone-level)Ice Storm, 2002-12-04, $10,000,000 property; crops not reported (2002 dollars); NWS zone NCZ036Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)30 records, 1997 to 2024 (3 zone-level)Flood, 2003-03-20, $2,000,000 property; crops not reported (2003 dollars); NWS zone NCZ036Event records naming jurisdictions in the plan: Statesville city (8 records), Mooresville town (4 records), Love Valley town (2 records), Harmony town (1 record), Troutman town (1 record). Zone-level records (3) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)24 records, 1996 to 2025Lightning, 2006-05-20, $300,000 property; crops not reported (2006 dollars)Event records naming jurisdictions in the plan: Mooresville town (6 records), Statesville city (6 records), Troutman town (1 record).Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)22 records, 1996 to 2022 (20 zone-level)35 kt (40 mph) to 65 kt (75 mph) (median 50 kt (58 mph)); 18 with a recorded value65 kt (75 mph) estimated gust, High Wind, 2004-03-07; NWS zone NCZ036High Wind, 2007-04-16, $500,000 property; $0 crops (zone total, 2007 dollars)Event records naming jurisdictions in the plan: Mooresville town (1 record). Zone-level records (20) apply countywide.
Thunderstorm Windwind speed (kt and mph)331 records, 1964 to 202640 kt (46 mph) to 70 kt (81 mph) (median 50 kt (58 mph)); 285 with a recorded value70 kt (81 mph) estimated gust, Thunderstorm Wind, 2018-04-15Thunderstorm Wind, 2024-07-30, $200,000 property; $0 crops (2024 dollars)Event records naming jurisdictions in the plan: Statesville city (73 records), Mooresville town (31 records), Troutman town (24 records), Harmony town (23 records), Love Valley town (5 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)23 records, 1957 to 2024F/EF0 to F/EF2 (median F/EF1); 22 with a recorded valueEF2 tornado, 2022-05-26, 5.97 mi within this county, 150 yd wide, $30,000 property; $0 crops (2022 dollars), 1 direct injuryTornado, 2005-07-07, $2,000,000 property; $400,000 crops (2005 dollars)Event records naming jurisdictions in the plan: Harmony town (2 records), Statesville city (2 records), Love Valley town (1 record), Mooresville town (1 record).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)0
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)108 records, 1996 to 2026 (108 zone-level)Heavy Snow, 2004-02-26, $5,000 property; crops not reported (2004 dollars); NWS zone NCZ036Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

A monthly summary record covers most or all of a month; it does not count days at wave conditions.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 23 declarations covering 19 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-01-242026-01-21EM-3637-NCEmergencySevere Winter StormWinter Weatherno Public Assistance recordednew since last plan; within last 5 years
2024-09-282024-09-25DR-4827-NCMajor disasterTropical Storm HeleneHurricane$2,902,019.17in the 12 months before plan approval; within last 5 years
2024-09-262024-09-25EM-3617-NCEmergencyHurricane HeleneHurricane (primary); also designated: Inland Flooding, Landslideno Public Assistance recordedin the 12 months before plan approval; within last 5 yearssame incident as DR-4827
2024-08-062024-08-05EM-3608-NCEmergencyTropical Storm DebbyHurricaneno Public Assistance recordedin the 12 months before plan approval; within last 5 years
2022-10-012022-09-28EM-3586-NCEmergencyHurricane IanHurricaneno Public Assistance recordedwithin last 5 years
2021-03-032020-11-12DR-4588-NCMajor disasterTropical Storm EtaHurricane$1,603,331.90
2020-08-022020-07-31EM-3534-NCEmergencyHurricane IsaiasHurricaneno Public Assistance recorded
2020-03-252020-01-20DR-4487-NCMajor disasterCOVID-19 PandemicNon-natural, not counted$687,524.23
2020-03-132020-01-20EM-3471-NCEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4487
2019-09-032019-09-01EM-3423-NCEmergencyHurricane DorianHurricaneno Public Assistance recorded
2019-01-312018-10-10DR-4412-NCMajor disasterTropical Storm MichaelHurricane$1,874,891.08
2018-09-102018-09-07EM-3401-NCEmergencyHurricane FlorenceHurricaneno Public Assistance recorded
2005-09-052005-08-29EM-3222-NCEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not countedno Public Assistance recorded
2004-09-102004-09-07DR-1546-NCMajor disasterTropical Storm FrancesHurricanePA not declared for this county
2002-12-122002-12-04DR-1448-NCMajor disasterSevere Ice StormIce Storm$2,262,940.80
1996-02-231996-02-02DR-1103-NCMajor disasterWinter StormWinter Weatherno Public Assistance recorded
1996-01-131996-01-06DR-1087-NCMajor disasterBlizzard of 96Winter Weatherno Public Assistance recorded
1993-03-171993-03-13EM-3110-NCEmergencySevere Snowfall & Winter StormWinter Weatherno Public Assistance recorded
1989-09-251989-09-21DR-844-NCMajor disasterHurricane HugoHurricaneno Public Assistance recorded
1989-05-171989-05-05DR-827-NCMajor disasterTornadoesTornadoPA not declared for this county
1977-08-111977-08-11EM-3049-NCEmergencyDroughtDroughtno Public Assistance recorded
1977-03-021977-03-02EM-3033-NCEmergencyDrought & FreezingWinter Weather (primary); also designated: Droughtno Public Assistance recorded
1973-06-251973-06-25DR-394-NCMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1964-10-131964-10-13DR-179-NCMajor disasterSevere Storms & FloodingInland Flooding
1962-03-161962-03-16DR-130-NCMajor disasterSevere Storm, High Tides & FloodingInland Flooding (primary); also designated: Coastal Flooding
1960-09-161960-09-16DR-107-NCMajor disasterHurricane DonnaHurricane (primary); also designated: Inland Flooding
1958-10-011958-10-01DR-87-NCMajor disasterHurricane & Severe StormHurricane
1956-04-241956-04-24DR-56-NCMajor disasterSevere StormHazard not mapped (severe storm title names no single hazard); not counted
1955-08-131955-08-13DR-37-NCMajor disasterHurricanesHurricane (primary); also designated: Inland Flooding
1954-10-171954-10-17DR-28-NCMajor disasterHurricaneHurricane (primary); also designated: Inland Flooding

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

1 Fire Management declaration (1986-05-10 to 1986-05-10) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.

Public Assistance filed under this county for declarations that do not list it: 4 rows, $911,412.30

Sources: 2, 3

FEMA numberDeclaredTitleApplicantPA obligatedfederal share obligated, nominal dollars
DR-4393-NC2018-09-14Hurricane FlorenceENERGYUNITED ELECTRIC MEMBERSHIP CORPORATION$129,682.05
DR-1457-NC2003-03-27Ice StormENERGYUNITED ELECTRIC MEMBERSHIP CORPORATION$480,554.47
DR-1312-NC2000-01-31Severe Winter StormENERGYUNITED ELECTRIC MEMBERSHIP CORPORATION$296,340.60
DR-1292-NC1999-09-16Hurricane Floyd Major Disaster DeclarationsENERGYUNITED ELECTRIC MEMBERSHIP CORPORATION$4,835.18

FEMA's Public Assistance summaries file these applicants under this county, but FEMA's declaration rows for these disasters do not designate it (an electric cooperative or district serving several counties, for example). Not in any declaration row above and not counted.

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave12102001996 to 2026-06-30Includes 4 Frost/Freeze records.
Drought35202201996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail163109001955 to 2026-06-30
Heat Wave2000001996 to 2026-06-30
Hurricane30011001996 to 2026-06-30
Ice Storm9000101996 to 2026-06-30
Inland Flooding30013201996 to 2026-06-30
Landslide0000101996 to 2026-06-30No Storm Events records of this type; 1 federal declared incident (see declarations table)
Lightning24101001996 to 2026-06-30
Strong Wind353141351001955 to 2026-06-30Includes 14 High Wind and 8 Strong Wind records.
Tornado23004101950 to 2026-06-30
Wildfire0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Winter Weather108248511996 to 2026-06-30Includes 4 Sleet records.

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2022-05-26TornadoEF2, 5.97 mi within this county, 150 yd wide$30,000 property; $0 crops (2022 dollars)0, 1STATESVILLE RHYNE AR to UNION GROVEwithin last 5 yearsB1-c worst recorded: Tornado
2020-10-29Tropical Storm$200,000 property; $0 crops (zone total, 2020 dollars)0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: Hurricane, Tropical Storm, Tropical Depression
2020-04-09Strong Wind35 kt (40 mph) estimated gust$10,000 property; $0 crops (zone total, 2020 dollars)1, 0NWS zone NCZ036 (IREDELL), zone-leveldeaths or injuries recorded
2018-04-15Thunderstorm Wind70 kt (81 mph) estimated gust$100,000 property; $0 crops (2018 dollars)0, 0MT MOURNE to MOORESVILLE JCTB1-c worst recorded: Thunderstorm Wind
2007-04-08Frost/Freeze$0 property; $1,000,000 crops (zone total, 2007 dollars)0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: Frost/Freeze
2006-11-15TornadoF1, 6 mi within this county, 40 yd wide$110,000 property; $0 crops (2006 dollars)1, 1STATESVILLEdeaths or injuries recorded
2006-05-20Lightning$300,000 property; crops not reported (2006 dollars)0, 0MOORESVILLEB1-c worst recorded: Lightning
2004-03-07High Wind65 kt (75 mph) estimated gust$50,000 property; crops not reported (zone total, 2004 dollars)0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: High Wind and Strong Wind
2003-03-20Flood$2,000,000 property; crops not reported (zone total, 2003 dollars)0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2002-12-04Ice Storm$10,000,000 property; crops not reported (zone total, 2002 dollars)0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: Ice Storm
2000-12-01Extreme Cold/Wind Chilldamage not reported0, 0NWS zone NCZ036 (IREDELL), zone-levelB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
1989-05-06Thunderstorm Windspeed not recordeddamage not recorded (pre-1996 record)2, 0location not recordeddeaths or injuries recorded

The full list is in the Excel file, sheet "B1-d Storm Events history" (762 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave0.526event-days per yearabout 0.526 days per yearLikelyStorm Events event-days in 6 of 30 years, 1996 to 2025 (20%)102005-11-12 to 2024-11-12 (19 years)countywide
Drought26.5event-days per yearabout 26.5 days per yearLikelyStorm Events event-days in 8 of 30 years, 1996 to 2025 (26.7%)9942000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.002annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.2%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail5.13events per yearabout 5.13 per yearHighly likelyFEMA annualized frequency (modeled)194.9 (modeled)1986 to 2023 (38 years)countywide
Heat Wave1.11event-days per yearabout 1.11 days per yearPossibleStorm Events event-days in 1 of 30 years, 1996 to 2025 (3.33%)192005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.0656events per yearabout 1 in 15 yearsPossibleFEMA annualized frequency (modeled)221851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm1.72event-days per yearabout 1.72 days per yearLikelyStorm Events event-days in 7 of 30 years, 1996 to 2025 (23.3%)1161946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding0.786event-days per yearabout 0.786 days per yearLikelyStorm Events event-days in 13 of 30 years, 1996 to 2025 (43.3%)221996 to 2023 (28 years)see B1-f
Landslide0.618events per year (modeled)about 0.62 per yearLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning50.4days per year with a strikeabout 50.4 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind2.41events per yearabout 2.41 per yearHighly likelyFEMA annualized frequency (modeled)921986 to 2023 (38 years)countywide
Tornado0.241events per yearabout 1 in 4 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.0000758annual probability at a locationchance a given location in the county burns in a year: 0.00758%Storm Events records in 0 of 30 years, 1996 to 2025 (0%)not shownmodeledsee B1-fNo descriptor: no Storm Events record 1996 to 2025
Winter Weather6.89event-days per yearabout 6.89 days per yearHighly likelyStorm Events event-days in 29 of 30 years, 1996 to 2025 (96.7%)1312005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202568302.27
Hail2.00 in+1996 to 20251300.0333
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 2025259308.63
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 20257300.233
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 20259300.3
TornadoEF0-11996 to 202510300.333
TornadoEF2-31996 to 20253300.1
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave46 of 4630.758.876.2Relatively Moderate 38, Relatively Low 8
Drought37 of 4670.281.792.8Relatively Moderate 3, Relatively Low 20, Very Low 14, No Rating 9
Earthquake46 of 4619.853.576.0Relatively Low 38, Very Low 8
Hail46 of 4626.751.263.8Relatively Low 42, Very Low 4
Heat Wave46 of 463.29.623.6Relatively Low 4, Very Low 42
Hurricane46 of 4643.155.062.2Relatively Low 38, Very Low 8
Ice Storm46 of 4661.490.395.2Relatively High 24, Relatively Moderate 21, Relatively Low 1
Inland Flooding46 of 469.153.091.7Relatively High 8, Relatively Moderate 18, Relatively Low 17, Very Low 3
Landslide46 of 4640.271.193.1Relatively Low 9, Very Low 37
Lightning46 of 4624.960.082.1Relatively High 3, Relatively Moderate 31, Relatively Low 12
Strong Wind46 of 4637.173.087.6Relatively High 4, Relatively Moderate 41, Relatively Low 1
Tornado46 of 4639.563.983.9Relatively High 8, Relatively Moderate 31, Relatively Low 7
Wildfire46 of 4632.559.780.4Relatively Low 7, Very Low 39
Winter Weather46 of 4626.247.164.2Relatively Moderate 20, Relatively Low 26

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its planNotes
Iredell County (unincorporated area)UnincorporatedApproved, expires 2030-06-05FMA RL 0, SRL 0; any 2$96,396.690 total; 0 since its plan
Davidson townTownApproved, expires 2030-10-13FMA RL 0, SRL 0; any 0no Public Assistance recorded0 total; 0 since its plan
Harmony townTownApproved, expires 2030-06-05FMA RL 0, SRL 0; any 0no Public Assistance recorded37 total; 1 since its plan
Love Valley townTownApproved, expires 2030-06-05FMA RL 0, SRL 0; any 0$989,623.1515 total; 1 since its plan
Mooresville townTownApproved, expires 2030-06-05FMA RL 0, SRL 0; any 0$213,172.8074 total; 1 since its plan
Statesville cityCityApproved, expires 2030-06-05FMA RL 0, SRL 0; any 4$601,251.72126 total; 0 since its planIncludes $24,346.37 for declarations not counted as hazard incidents (DR-4487-NC).
Troutman townTownApproved, expires 2030-06-05FMA RL 0, SRL 0; any 0$37,411.7233 total; 2 since its plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2025-06-06county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$44,965,858,772$145,327,719186,589$46$62,832$3,360,567under 0.0001%$0
Droughtn/a$21,795,883n/an/a$209,087n/a0.959% (agriculture)$0NRI has no building exposure for this hazard; agriculture shown
Earthquake$77,444,001,039n/a186,693$1,671,978n/a$295,3880.00216%
Hail$44,965,858,772$145,327,719186,589$369,048$6,631$7620.000821%
Heat Wave$44,965,858,772$145,327,719186,589$34$44$381,154under 0.0001%
Hurricane$44,961,579,239$145,327,719186,557$542,278$176,280$25,5760.00121%
Ice Storm$44,965,858,772n/a186,589$1,400,568n/a$265,9200.00311%
Inland Flooding$44,828,273,889$7,318,4531,046$34,914,503$81,357$41,952n/a (see note)NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$1,194,928,730n/a4,836$3,726n/a$3120.000312%
Lightning$44,965,858,772n/a186,589$85,188n/a$683,5800.000189%$0
Strong Wind$44,965,858,772$145,327,719186,589$159,208$11,283$1,694,0610.000354%$5,000
Tornado$44,965,858,772$145,327,719186,589$4,174,215$3,461$2,537,1110.00928%
Wildfire$13,121,405,884$33,599,30362,244$34,280$25$4,6100.000261%
Winter Weather$44,965,858,772$145,327,719186,589$7,470$605$101,722under 0.0001%$0no Public Assistance recorded (1 declaration)

Totals since 2025-06-06 (Storm Events through 2026-06-30): 16 county-coded records, 15 with a damage value recorded (including $0), $5,000; 5 zone-level records, 5 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: none recorded on the 1 counted declaration.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population186,589
Building value (total, not at risk)$44,965,858,772
Agriculture value (total, not at risk)$145,327,719
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$43,914,147
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$9,392,715
Social vulnerability ratingVery Low
Community resilience ratingRelatively Moderate
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)0Severe repetitive loss, FMA definition (44 CFR 77.2)0
Repetitive loss, NFIP insurance definition6Severe repetitive loss, NFIP insurance definition0

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total0060604
of which: Statesville city0040403
of which: Iredell County (unincorporated area)0020201
Statewide, no county in FEMA's file0020200

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Iredell County (unincorporated area)3703130020201
Davidson town3705030000000
Harmony town3706810000000
Love Valley town3706540000000
Mooresville town3703140000000
Statesville city3701350040403
Troutman town3706260000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential0060604
2 to 4 unit residential0000000
other residential0000000
non-residential0000000
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 6 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Iredell County, NC: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 37097). Automated baseline. https://hazardplain.org/nc/37097/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]