Raleigh, NC real-estate risk
Raleigh, NC (Wake County) carries a FEMA National Risk Index score of 95.5/100 — rated "Relatively High" — driven mainly by hail and riverine flood, with roughly $299M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$299M/yr
all natural hazards, county-wide
Buildings-only loss
$261M/yr
the part that hits owners + insurers
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here — wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Raleigh risk — FAQ
Is Raleigh, NC a high-risk area for real estate?
Raleigh scores 95.5/100 on FEMA's National Risk Index — rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $299M per year.
What is the biggest natural hazard in Raleigh?
The highest-rated hazard is hail (98.5/100), followed by riverine flood (97.7/100).
How does hazard risk affect property insurance in Raleigh?
Severe convective storms (tornado/hail) drive the insurance cost here — wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
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Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0–100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.
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