Avery County, NC Environment & Hazard Risk
Relatively Low natural hazard risk, led by landslide. 672 storm events since 1996.
- Expected yearly loss
- $11.3M
- Very Low nationally
- Storm events since 1996
- 672
- Most often winter weather
- Flood insurance policies
- 274
- 1.7% of homes
- Hurricanes nearby
- 0
- 1 tropical storm or stronger since 2020
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Relatively Low
Score 47.5 of 100
Social vulnerability
Relatively High
Score 76.7 of 100
Community resilience
Relatively Moderate
Score 50.3 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $7.8B · Agriculture value exposed: $25.9M · Risk-adjusted yearly loss: $15.7M
Risk by hazard
- LandslideRelatively Moderate$205K/yr expected annual loss, about once every 1 year
- LightningRelatively Moderate$408K/yr expected annual loss, about 53 events a year
- Ice stormRelatively Moderate$188K/yr expected annual loss, about once every 1 year
- Cold waveRelatively Low$1.2M/yr expected annual loss, about 5.0 events a year
- HurricaneRelatively Low$180K/yr expected annual loss, about once every 35 years
- EarthquakeVery Low$224K/yr expected annual loss, about once every 633 years
- Strong windRelatively Low$309K/yr expected annual loss, about 2.8 events a year
- TornadoRelatively Low$601K/yr expected annual loss, about once every 14 years
- WildfireVery Low$13.9K/yr expected annual loss, about once every 825 years
- Winter weatherRelatively Low$24K/yr expected annual loss, about 26 events a year
- HailVery Low$80.4K/yr expected annual loss, about 4.0 events a year
Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, drought, heat wave, riverine flooding, tsunami, volcanic activity.
Flood risk and insurance
National Flood Insurance Program and FEMA flood maps
Check the flood zone for an address
- Homes with flood insurance
- 274 of 16,068 (1.7%)
- Homes in high-risk flood zones
- 444
- Insured in high-risk zones
- 148 (33%)
- Flood claims since 1978
- 288
- Claims paid since 1978
- $15.2M
Flood claims paid per year
- Hurricane Helene$12.5M · 135 claims
- Tropical Storm Ivan$1.3M · 46 claims
- Tropical Storm Fred$27.4K · 7 claims
- Hurricane Michael$10.4K · 1 claim
- Hurricane Isabel$3,013 · 1 claim
- October severe storms$0 · 1 claim
Storm history
Since 1996: 672 events, 7 deaths, $130M in damage
- Winter Weather237
- Heavy Snow125
- Hail54
- Thunderstorm Wind49
- High Wind43
- Drought35
- Flash Flood31 · 6 deaths
- Cold/Wind Chill22 · 1 death
- Winter Storm20
- Ice Storm11
Events per year
2 tornadoes on record (EF1 1, F2 1).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- Flash Flood09/27/2024
Avery Co Arpt, Avery County
6 deaths, $40M damage
What happened
A stream gauge on the North Toe River in Newland indicated devastating flash flooding developed along the stream in Newland and vicinity as rainfall rates intensified during the evening of the 26th. The heaviest rainfall and most significant flooding occurred toward sunrise, as tropical rainbands near the center of Helene swept across the area. Numerous homes and businesses in downtown Newland were inundated and damaged, with several structures swept away. Other areas of flash flooding developed along the Linville River and various tributaries throughout the southern and eastern part of the county. Dozens of landslides occurred across the area, mainly in the North Toe basin. Some of the large slides damaged or destroyed multiple structures. Three occupants of these homes were killed. Two additional fatalities were attributed to flooding. Three-day rainfall generally ranged from 10-15 inches, with locally higher amounts.
- Ice Storm02/02/1996
Avery
$50M damage
What happened
By the early morning hours damaging accumulations of ice were becoming widespread. Northern mountain counties reported freezing rain and sleet accrual of 1 to 3 inches on roads with damage becoming common. Significant icing began in foothill counties. The icing situation eased a bit during the day in a few areas before becoming worse toward evening. In many areas the severe icing did not abate until the storm ended during the late night. By 1500 EST, many major population centers such as Hickory and Statesville were reporting 50 percent power outages. The storm became the "worst ice storm ever" in local power company reocrds. By late night most customers had lost power. Many customers did not have power restored for up to a week during extremely cold weather. Around 1800 EST the freezing rain began to change over to sleet and then snow as drier and colder air surged in. Some thunder was reported. This left a very slick and dangerous surface on top of the massive accumulations of ice. Emergency crews were not able to respond quickly to stranded motorist and those without power. Numerous shelters were opened and some counties declared official emergency conditions.
- Flood09/17/2004
Avery
$11M damage
What happened
Flooding began shortly after midnight across much of the northern mountains and northern foothills. The hardest hit locations were northern McDowell, Mitchell and Avery Counties, where flooding was at least as severe as that which accompanied Frances. Most of the streams in Mitchell County flooded. Property damage due to mudslides and flooding was extensive in Avery County, and there were numerous rescues and evacuations, particularly around Newland. Numerous roads were washed out, covered with water, or covered with debris from landslides. All roads into Banner Elk were impassable by sunrise on the 17th. Other roads affected included portions of highways 226, 221, and 19. A bridge was washed out on highway 194 in Avery County. Flooding was much less severe in Burke and Caldwell Counties, although some evacuations were required along the John's River in Caldwell County, and portions of highways 181 and 126 were closed briefly in Burke County.
- Flood09/08/2004
Avery
$10M damage
What happened
Persistent moderate to heavy rain led to widespread flooding along numerous creeks and streams across the northern foothills and northern mountains during the early evening. By early morning on the 8th, flooding was described as some of the worst in the history of the area. Numerous homes and businesses were damaged or destroyed, particularly in Avery County. One home in Burke County was swept down the Little River. Widespread damage and destruction to roads and bridges also occurred due to flooding or landslides, especially in the southern part of Mitchell County, which experienced severe flooding from Crabtree Creek and the Toe River. Large sections of the Blue Ridge Parkway were washed out. Total damage to the parkway was estimated to be in excess of 10 million dollars in western North Carolina, with the vast majority of that damage occurring between Asheville and Blowing Rock.
- Cold/Wind Chill02/12/1996
Avery
1 death
What happened
An elderly woman fell outside her home and then died from hypothermia.
- Tropical Storm09/27/2024
Avery
$9M damage
What happened
Tens of thousands of trees were blown down, with hundreds of trees down on homes, vehicles, and power lines. Frequent gusts up to 80 mph occurred, with occasional gusts of 100 mph on exposed high elevation ridgetops.
Drinking water
18 community water systems serve about 11,732 people. Violations since 2021.
7 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 6 systems had a violation of any kind still open at last report.
- Sugar Mountain UtilityServes 3,226 · Groundwater · PrivateNo health violations
- Linville Land HarborServes 2,280 · Groundwater · Private1 health violation+1 monitoring or reporting
- Banner Elk, Town ofServes 1,164 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
- Newland, Town ofServes 999 · Groundwater · Local government1 health violation+3 monitoring or reporting
- Elk River Club DevelopmentServes 732 · Groundwater · PrivateNo health violations
- Linville RidgeServes 710 · Groundwater · PrivateNo health violations+1 monitoring or reporting
- Linville Resorts INCServes 499 · Groundwater · Private1 health violation+1 monitoring or reporting
- Elk Park, Town ofServes 495 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.
Climate
1991-2020 normals at Banner Elk, 5.2 mi from the county center
Summer highs peak around 77°F in Jul and winter lows bottom out near 22°F in Jan. About 53.8 inches of rain falls in a typical year, with 31.4 inches of snow.
| Month | High | Low | Rain | Snow |
|---|---|---|---|---|
| Jan | 40°F | 22°F | 4.62 in | 6.9 in |
| Feb | 44°F | 24°F | 3.70 in | 11.4 in |
| Mar | 50°F | 30°F | 4.87 in | 4.8 in |
| Apr | 60°F | 39°F | 4.83 in | 0.8 in |
| May | 68°F | 47°F | 5.13 in | - |
| Jun | 74°F | 56°F | 5.12 in | - |
| Jul | 77°F | 59°F | 5.68 in | - |
| Aug | 76°F | 57°F | 4.31 in | - |
| Sep | 71°F | 52°F | 4.55 in | - |
| Oct | 62°F | 40°F | 3.41 in | 0.1 in |
| Nov | 52°F | 31°F | 3.30 in | 1.6 in |
| Dec | 44°F | 26°F | 4.25 in | 5.8 in |
| Year | 50°F average | 53.8 in | 31.4 in | |
Pollution sites
0 Superfund sites and 0 toxic release facilities in Avery County
No Superfund sites or toxic release facilities in Avery County in our data.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk9 historic places
Frequently asked questions
- How risky is Avery County for natural disasters?
- FEMA rates Avery County relatively low for overall natural hazard risk, with expected losses of $11.3M a year. The highest-rated hazards are landslide (relatively moderate), lightning (relatively moderate), ice storm (relatively moderate).
- What storms are most common in Avery County?
- Since 1996, NOAA recorded 672 storm events affecting Avery County, most often winter weather (237), heavy snow (125), hail (54).
- How many tornadoes have hit Avery County?
- 2 tornadoes have been recorded in Avery County since 1950.
- How many homes in Avery County have flood insurance?
- 274 residential flood insurance policies are in force in Avery County, covering about 1.7% of homes. The program has paid $15.2M on 288 claims here since 1978.
- What is the weather like in Avery County?
- At Banner Elk, average highs reach 77°F in Jul and lows fall to 22°F in Jan, with 53.8 inches of rain a year (1991-2020 normals).
Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.