Natural Disasters in Saratoga, NC

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

76.3

Relatively Low

Expected Annual Loss

72.6

Score (0-100)

Social Vulnerability

61.5

Score (0-100)

Community Resilience

51.6

Score (0-100)

Top Hazard Risks

Winter Weather96.0Hurricane90.4Drought88.3

Hazard	Risk Score
Winter Weather	96.0
Hurricane	90.4
Drought	88.3
Heat Wave	80.1
Hail	77.4
Tornado	70.2
Earthquake	67.7
Ice Storm	65.3
Lightning	62.1
Strong Wind	54.5
Cold Wave	54.4
Wildfire	40.4
Landslide	17.9

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Hurricane

15 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Sep 26, 2024	Tropical Storm	HURRICANE HELENE
Aug 6, 2024	Tropical Storm	TROPICAL STORM DEBBY
Oct 1, 2022	Hurricane	HURRICANE IAN
Mar 3, 2021	Severe Storm	TROPICAL STORM ETA
Aug 2, 2020	Hurricane	HURRICANE ISAIAS
Mar 25, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Sep 3, 2019	Hurricane	HURRICANE DORIAN
Sep 14, 2018	Hurricane	HURRICANE FLORENCE
Sep 10, 2018	Hurricane	HURRICANE FLORENCE
Oct 10, 2016	Hurricane	HURRICANE MATTHEW
Oct 7, 2016	Hurricane	HURRICANE MATTHEW
Aug 31, 2011	Hurricane	HURRICANE IRENE
Aug 25, 2011	Hurricane	HURRICANE IRENE
Apr 19, 2011	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Sep 14, 2005	Hurricane	HURRICANE OPHELIA
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Sep 18, 2003	Hurricane	HURRICANE ISABEL
Dec 12, 2002	Severe Ice Storm	SEVERE ICE STORM

Showing 20 of 28 declarations

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

497

Total Claims Paid

$12,613,921

Avg Claim Payout

$25,380

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$11,031,748

Disasters with PA

Total Projects

230

Disaster	Type	Projects	Federal $
DR-1292	Hurricane	104	$4,649,919
DR-4285	Hurricane	31	$2,507,941
DR-4019	Hurricane	22	$1,615,717
DR-1490	Hurricane	33	$887,062
DR-4393	Hurricane	14	$553,707
DR-1969	Severe Storm(s)	14	$442,838
DR-4487	Biological	3	$205,717
DR-1448	Severe Ice Storm	4	$143,528
DR-1312	Severe Storm(s)	4	$16,545
DR-4588	Tropical Storm	1	$8,775

Saratoga has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are winter weather, hurricane, drought. The area has had 28 federal disaster declarations. The most common disaster type is hurricane (15 declarations). 497 flood insurance claims have been filed in the area. FEMA has obligated $11,031,748 in public assistance recovery funding.