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Risk: Relatively Moderate

Union County, NC Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by ice storm. 538 storm events since 1996.

Expected yearly loss
$110M
Relatively Moderate nationally
Storm events since 1996
538
Most often thunderstorm wind
Flood insurance policies
354
0.4% of homes
Hurricanes nearby
1
8 tropical storms or stronger since 1889

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 89.1 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Relatively Moderate

Score 55.2 of 100

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

Building value exposed: $56.6B · Agriculture value exposed: $621M · Risk-adjusted yearly loss: $81.3M

Risk by hazard

  • Ice stormVery High$2.7M/yr expected annual loss, about 1.9 events a year
  • TornadoRelatively High$16.4M/yr expected annual loss, about once every 3 years
  • Strong windRelatively High$2.7M/yr expected annual loss, about 2.9 events a year
  • EarthquakeRelatively Low$4M/yr expected annual loss, about once every 472 years
  • LightningRelatively High$1.3M/yr expected annual loss, about 53 events a year
  • HurricaneRelatively Low$3.2M/yr expected annual loss, about once every 9 years
  • Cold waveRelatively Moderate$3.8M/yr expected annual loss, about once every 3 years
  • Winter weatherRelatively Moderate$219K/yr expected annual loss, about 4.7 events a year
  • Heat waveRelatively Low$1.4M/yr expected annual loss, about 3.3 events a year
  • DroughtRelatively Moderate$713K/yr expected annual loss, about 22 events a year
  • HailRelatively Low$726K/yr expected annual loss, about 4.3 events a year
  • WildfireVery Low$41K/yr expected annual loss, about once every 13,218 years
  • LandslideVery Low$848/yr expected annual loss, about once every 4 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
354 of 82,425 (0.4%)
Homes in high-risk flood zones
196
Insured in high-risk zones
115 (59%)
Flood claims since 1978
81
Claims paid since 1978
$1.7M

Flood claims paid per year

Flood claims paid per year in Union County
Beta
  • Hurricane Florence$383K · 18 claims
  • Hurricane Matthew$12.8K · 2 claims
  • Hurricane Floyd$539 · 1 claim
  • Hurricane Debby$0 · 1 claim
  • Hurricane Hugo$0 · 1 claim

Storm history

Since 1996: 538 events, 3 deaths, $17.8M in damage

  • Thunderstorm Wind213
  • Hail95
  • Flash Flood56 · 2 deaths
  • Drought35
  • Flood25 · 1 death
  • Winter Weather23
  • Lightning18
  • Heavy Snow13
  • Heavy Rain8
  • Tornado8
Beta

Events per year

Storm events per year in Union County
20
30
19
26
31
27
10
16
14
13
12
12
4
12
1
14
6
13
10
13
Beta

22 tornadoes on record (EF0 3, EF1 3, F0 2, F1 7, F2 5, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Ice Storm12/04/2002

    Union

    $11M damage

    What happened

    Freezing rain began over the extreme southern mountains of North Carolina during the early afternoon on the 4th, and had spread into the southwest piedmont by mid afternoon. Resultant damage due to ice accumulation began during the mid-to-late afternoon. The intensity of the freezing rain increased after midnight, and by sunrise on the 5th, devastating ice accumulations of 1/2 to 1 1/2 inches were observed. The hardest hit area was Charlotte metro. Hundreds of thousands lost power, and the outages lasted for as long as 2 weeks in some areas.

  • Flash Flood09/16/2018

    Olive Branch, Union County

    1 death, $50K damage

    What happened

    EM reported severe flash flooding developed across Union County after 7 to 13 inches of rain fell across the county in about 24 hours. Dozens of roads were closed at the height of the event during the afternoon of the 16th, some due to poor drainage flooding in urban areas, and others due to small stream flooding, including Goose Creek in the Indian Trail area, where a stream gauge exceeded its established flood stage. Multiple water rescues were necessary, and some homes were isolated by flood waters. A one-year-old boy drowned when his parent drove a vehicle around a barricade and into a swollen creek on Highway 218.

  • Flood09/17/2018

    Olive Branch, Union County

    1 death, $5,000 damage

    What happened

    Although heavy rain ended across Union County during the evening, EM reported high water conditions continued through the overnight, as waters were slow to recede in light of the 7 to 13 inches that fell across the county in about 24 hours. During the morning of the 17th, an 88 year-old man drowned when he drove his vehicle through a swollen tributary on Landsford Dr.

  • Flash Flood07/12/2003

    West Portion, Union County

    1 death

    What happened

    Slow-moving thunderstorms produced very heavy rainfall that resulted in rapid development of urban flooding. West of Monroe, a 17-year-old man drowned when he jumped into a flooded drainage ditch, and was swept into a storm drain. Urban flooding was more severe in the towns of Indian Trails, Unionville, and Stallings, where several people required rescue from automobiles trapped by rising water.

  • Lightning08/16/2003

    Indian Trail, Union County

    2 injured

    What happened

    Two people were struck by lightning.

  • Tropical Storm09/27/2024

    Union

    $2M damage

    What happened

    Hundreds of trees were blown down, with dozens of trees down on homes, vehicles, and power lines. Frequent gusts up 50 to 60 mph occurred, with occasional gusts of 70 mph.

Drinking water

6 community water systems serve about 220,884 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • Union County Water SystemServes 169,685 · Surface water · Local governmentNo health violations+1 monitoring or reporting
  • Monroe, City ofServes 43,081 · Surface water · Local government1 health violation+3 monitoring or reporting
  • Wingate, Town ofServes 3,950 · Purchased surface water · Local governmentNo health violations
  • Marshville, Town ofServes 3,163 · Purchased surface water · Local governmentNo health violations+5 monitoring or reporting
  • Jaars, INCServes 625 · Groundwater · PrivateNo health violations
  • Glencroft S/DServes 380 · Purchased surface water · Local governmentNo health violations+1 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 19 toxic release facilities in Union County

Superfund sites

None in this county.

Toxic release facilities

Total: 145,125 lbs in 2024, 45,784 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Union County for natural disasters?
FEMA rates Union County relatively moderate for overall natural hazard risk, with expected losses of $110M a year. The highest-rated hazards are ice storm (very high), tornado (relatively high), strong wind (relatively high).
What storms are most common in Union County?
Since 1996, NOAA recorded 538 storm events affecting Union County, most often thunderstorm wind (213), hail (95), flash flood (56).
How many tornadoes have hit Union County?
22 tornadoes have been recorded in Union County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Union County have flood insurance?
354 residential flood insurance policies are in force in Union County, covering about 0.4% of homes. The program has paid $1.7M on 81 claims here since 1978.
What is the weather like in Union County?
At Monroe 2 SE, average highs reach 91°F in Jul and lows fall to 30°F in Jan, with 47.8 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.

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