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Risk: Relatively Low

Orange County, NC Environment & Hazard Risk

Relatively Low natural hazard risk, led by winter weather. 525 storm events since 1996.

Expected yearly loss
$49.7M
Relatively Low nationally
Storm events since 1996
525
Most often thunderstorm wind
Flood insurance policies
621
1.5% of homes
Hurricanes nearby
1
7 tropical storms or stronger since 1859

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 79.1 of 100

Social vulnerability

Very Low

Score 16.6 of 100

Community resilience

Very High

Score 93.6 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $30.3B · Agriculture value exposed: $48.6M · Risk-adjusted yearly loss: $42M

Risk by hazard

  • Winter weatherRelatively High$373K/yr expected annual loss, about 7.4 events a year
  • LightningRelatively High$1.2M/yr expected annual loss, about 47 events a year
  • Heat waveRelatively Moderate$2.4M/yr expected annual loss, about 4.8 events a year
  • HurricaneRelatively Moderate$3M/yr expected annual loss, about once every 9 years
  • TornadoRelatively Moderate$5.2M/yr expected annual loss, about once every 7 years
  • HailRelatively Moderate$906K/yr expected annual loss, about 4.4 events a year
  • Strong windRelatively Moderate$1.4M/yr expected annual loss, about 1.6 events a year
  • Ice stormRelatively Moderate$331K/yr expected annual loss, about 1.8 events a year
  • EarthquakeRelatively Low$744K/yr expected annual loss, about once every 847 years
  • DroughtRelatively Low$249K/yr expected annual loss, about 15 events a year
  • LandslideVery Low$911/yr expected annual loss, about once every 6 years
  • Cold waveRelatively Low$691K/yr expected annual loss, about once every 1 year
  • WildfireVery Low$15.9K/yr expected annual loss, about once every 9,781 years

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, 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
621 of 42,431 (1.5%)
Homes in high-risk flood zones
409
Insured in high-risk zones
205 (50%)
Flood claims since 1978
568
Claims paid since 1978
$36.4M

Flood claims paid per year

Flood claims paid per year in Orange County
Beta
  • 2025 July TS Chantal$20.2M · 168 claims
  • Hurricane Florence$5.3M · 83 claims
  • Hurricane Fran$588K · 48 claims
  • Hurricane Matthew$224K · 8 claims
  • Hurricane Hanna$182K · 6 claims
  • Hurricane Helene$54.2K · 2 claims

Storm history

Since 1996: 525 events, 5 deaths, $85.4M in damage

  • Thunderstorm Wind254 · 2 deaths
  • Flash Flood76 · 1 death
  • Hail56
  • Winter Weather38
  • Winter Storm34
  • Strong Wind15
  • Lightning10 · 2 deaths
  • Tornado8
  • Excessive Heat7
  • High Wind4
Beta

Events per year

Storm events per year in Orange County
6
29
25
23
16
21
10
15
19
19
17
27
16
16
19
36
23
9
47
19
Beta

12 tornadoes on record (EF1 4, EF2 1, F0 4, F1 1, F2 1, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood09/17/2018

    Teer, Orange County

    $31.4M damage

    What happened

    Torrential rainfall of 6 to 10 inches caused widespread flooding across the county, which caused flooding along the Eno River and other creeks and streams throughout the county. Additionally, water held in Jordan Lake from rainfall in its headwaters resulted in flooding along the lake into far southeast portions of the county. Flooding damaged approximately 276 structures throughout the county, destroying 1 and resulting in $26.4 million in property damage. Numerous roads were closed due to flooding. Numerous homes and businesses were flooded as well. While final losses on crops are not yet tallied, estimates around $5 million or more are possible.

  • Flash Flood07/07/2025

    Chapel Hill Wllms Ar, Orange County

    $30M damage

    What happened

    There were numerous reports of stranded/submerged vehicles, washed out roadways, apartments and residential homes flooded, and law enforcement performed multiple water rescues, including one at Camelot Village. Total estimated damages may have exceeded 30 million across Orange County.

  • Thunderstorm Wind50 kt wind06/28/2020

    Chapel Hill Wllms Ar, Orange County

    1 death, $50K damage

    What happened

    One tree fell on a mobile home in the 1200 block of Martin Luther King Boulevard, resulting in a fatality.

  • Flash Flood07/07/2025

    Mc Dade, Orange County

    1 death, $20K damage

    What happened

    The vehicle of a 58 year old female on her way to work was submerged in flood waters. The victim was swept away upon trying to exit the vehicle.

  • Thunderstorm Wind61 kt wind06/13/2013

    Chapel Hill, Orange County

    1 death, $3,000 damage

    What happened

    A large tree was blown down on the 300 Block of East Franklin Street killing a 20 year old female.

  • Lightning06/11/2006

    Hillsborough, Orange County

    1 death

    What happened

    Tree fell on Interstate 85 near mile marker 168 when lightning struck a tree. One fatality when a motorcyclist struck the down tree.

Drinking water

29 community water systems serve about 113,607 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 8 systems had a violation of any kind still open at last report.

  • Orange Water & Sewer AuthorityServes 86,500 · Surface water · Local governmentNo health violations+1 monitoring or reporting
  • Hillsborough, Town ofServes 14,006 · Surface water · Local governmentNo health violations
  • Orange-Alamance Water SystemServes 9,223 · Surface water · Private4 health violations+49 monitoring or reporting
  • Stoneridge MasterServes 681 · Groundwater · PrivateNo health violations+5 monitoring or reporting
  • Ridgewood MhpServes 330 · Groundwater · Private1 health violation+61 monitoring or reporting
  • Birchwood MhpServes 312 · Groundwater · PrivateNo health violations+4 monitoring or reporting
  • Robin`s WoodServes 246 · Groundwater · PrivateNo health violations+1 monitoring or reporting
  • Maple Ridge MhpServes 216 · Groundwater · PrivateNo health violations+3 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.

Pollution sites

0 Superfund sites and 3 toxic release facilities in Orange County

Superfund sites

None in this county.

Toxic release facilities

Total: 3,911 lbs in 2024, 1,022 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk28 historic places

Frequently asked questions

How risky is Orange County for natural disasters?
FEMA rates Orange County relatively low for overall natural hazard risk, with expected losses of $49.7M a year. The highest-rated hazards are winter weather (relatively high), lightning (relatively high), heat wave (relatively moderate).
What storms are most common in Orange County?
Since 1996, NOAA recorded 525 storm events affecting Orange County, most often thunderstorm wind (254), flash flood (76), hail (56).
How many tornadoes have hit Orange County?
12 tornadoes have been recorded in Orange County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Orange County have flood insurance?
621 residential flood insurance policies are in force in Orange County, covering about 1.5% of homes. The program has paid $36.4M on 568 claims here since 1978.
What is the weather like in Orange County?
At Durham 11 W, average highs reach 88°F in Jul and lows fall to 30°F in Jan, with 46.7 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.

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