Storm risk in Cabarrus County, North Carolina
FEMA's overall hazard score for Cabarrus County is 87.05 (Relatively Moderate), 408th of 3,144 counties. Hail scores 57.03 (Relatively Low), strong wind 74.81 (Relatively Moderate) and tornado 89.09 (Relatively Moderate). Expected hail loss is $6.71 per $1 million of buildings a year; NOAA logged 32 hail reports in Cabarrus County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- Cabarrus County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates Cabarrus County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in NC |
|---|---|---|---|---|
| Overall | Relatively Moderate | 87.05 | 408 of 3,144 | 22 of 100 |
| Hail | Relatively Low | 57.03 | 1,352 of 3,126 | 41 of 100 |
| Strong wind | Relatively Moderate | 74.81 | 793 of 3,126 | 27 of 100 |
| Tornado | Relatively Moderate | 89.09 | 344 of 3,126 | 13 of 100 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $343,441 | $6.71 | $9.65 | $22 | 2,304 of 3,126 | 73 of 100 |
| Strong wind | $147,659 | $2.89 | $8.61 | $20 | 2,830 of 3,121 | 92 of 100 |
| Tornado | $8,769,703 | $171 | $156 | $199 | 1,723 of 3,144 | 43 of 100 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in Cabarrus County
- FEMA expects hail in Cabarrus County to cost $6.71 per $1 million of buildings a year: 0.30 times the U.S. median and 0.70 times the NC county median, ranked 2,304th of 3,126 counties nationally and 73rd of 100 in North Carolina.
- FEMA expects strong wind in Cabarrus County to cost $2.89 per $1 million of buildings a year: 0.14 times the U.S. median and 0.34 times the NC county median, ranked 2,830th of 3,121 counties nationally and 92nd of 100 in North Carolina.
- FEMA expects tornado in Cabarrus County to cost $171 per $1 million of buildings a year: 0.86 times the U.S. median and 1.10 times the NC county median, ranked 1,723rd of 3,144 counties nationally and 43rd of 100 in North Carolina.
- Applying FEMA's estimate to a $318,600 home, the average yearly loss in Cabarrus County is about $2.14 for hail and $0.92 for wind before any deductible; at the U.S. median county rates it would be $7.12 and $6.49.
- If the next years look like 2014 to 2025, a roof kept 20 years in Cabarrus County meets about 21.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1996, the median home in Cabarrus County is 30 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 55.7% of its 91,339 homes are at least 26 years old.
- March to June holds 28 of the 32 hail reports in Cabarrus County (88 percent); the quietest month is January, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies Cabarrus County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × Cabarrus County yearly loss ÷ building value. Hail: $343,441 ÷ $51,149,751,990 = 0.0000067. Wind: $147,659 ÷ $51,149,751,990 = 0.0000029. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
Cabarrus County in plain numbers
- Cabarrus County scores 87.05 in FEMA's overall hazard index (Relatively Moderate): 408th of 3,144 rated counties and 22nd of 100 in North Carolina.
- Hail scores 57.03 (Relatively Low). FEMA expects $343,441 of hail damage to buildings in Cabarrus County a year, which is $6.71 per $1 million of buildings, 0.30 times the U.S. median.
- Strong wind scores 74.81 (Relatively Moderate) with $147,659 of expected yearly building loss in Cabarrus County: $2.89 per $1 million of buildings, 0.14 times the U.S. median.
- Tornado scores 89.09 (Relatively Moderate) and FEMA's expected yearly tornado loss is $8,769,703, counting everything exposed, or $171 per $1 million of buildings in Cabarrus County.
- FEMA's own event record for Cabarrus County averages 4.59 hail events and 2.29 strong-wind events a year.
- NOAA logged 32 hail reports in Cabarrus County between 2014 and June 2026, on 13 days with stones of 1 inch or more; the largest was 2.75 inches.
- In Cabarrus County, FEMA counts buildings worth 51.15 billion dollars and 225,772 residents.
- Social vulnerability is Very Low in Cabarrus County.
- Community resilience there is Relatively High, for 225,772 residents.
- 1 city in Cabarrus County is covered on this site: Concord. 7 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Concord is $6,370 to $14,105.
- Cabarrus County ranks 152 of the 194 counties with a page here for hail loss per $1 million of buildings, 174 for wind and 122 for tornado.
- In Cabarrus County, June is the busiest month with 10 of the 32 reports (31 percent), against 0 reports in December.
- Cabarrus County's worst year was 2014, with 2 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 1.08 such days a year, one about every 11.1 months.
- The median home in Cabarrus County was built in 1996; 31.4% of its 91,339 housing units date from before 1980, 55.7% from before 2000 and 21.7% from 2010 on.
- Census puts the median home value in Cabarrus County at $318,600, and 72.1% of homes are lived in by their owners.
- 19,291 single-family building permits were issued in Cabarrus County from 2014 to 2025, about 211.2 per 1,000 homes, peaking in 2020.
- NOAA lists 3 tornado tracks in Cabarrus County since 2014; the strongest was an EF2 on February 6, 2020 near Mt Gilead, 6.19 miles long.
- The fastest gust in NOAA's records for Cabarrus County is 69 mph on July 18, 2020 at Mt Pleasant Arpt.
- The nearest county with a page here is Gaston County, 37 miles from the centre of Cabarrus County; its hail score is 68.42.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 16 roofing contractor establishments in Cabarrus County in 2023, one for every 5,709 homes.
The hail record of Cabarrus County, year by year
NOAA logged 32 reports in Cabarrus County; hail of 1 inch or more fell on 13 days. That is 1.1 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: June, 10 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 5 | 2 | 0 | 1 in | – |
| 2015 | 4 | 1 | 0 | 1 in | – |
| 2016 | 3 | 1 | 0 | 1 in | – |
| 2017 | 5 | 2 | 1 | 2.75 in | – |
| 2019 | 3 | 1 | 0 | 1.5 in | – |
| 2021 | 2 | 1 | 1 | 1.75 in | – |
| 2022 | 4 | 2 | 0 | 1 in | – |
| 2023 | 3 | 1 | 0 | 1.5 in | – |
| 2024 | 2 | 2 | 0 | 1 in | – |
| 2025 | 1 | 0 | 0 | 0.75 in | – |
Biggest hail days in Cabarrus County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| March 21, 2017 | 2.75 in | 2 | none recorded | Rocky River |
| March 27, 2021 | 1.75 in | 2 | none recorded | Roberta Mills |
| May 4, 2019 | 1.5 in | 2 | none recorded | Kannapolis |
| June 26, 2023 | 1.5 in | 2 | none recorded | Roberta Mills |
| April 20, 2015 | 1 in | 3 | none recorded | Glass |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside Cabarrus County the big stones fell.
Reported hail locations, Cabarrus County
- 171 to 1.74 in
- 21.75 to 2.74 in, golf ball to tennis ball
- 12.75 in and up, baseball
Largest plotted stone: 2.75 in. Bigger dots are bigger stones.
20 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for Cabarrus County
Fastest gusts in Cabarrus County
| Date | Gust | Near |
|---|---|---|
| July 18, 2020 | 69 mph | Mt Pleasant Arpt |
| June 11, 2014 | 63 mph | Concord |
| June 20, 2015 | 63 mph | Roberta Mills |
| June 22, 2015 | 63 mph | West Concord |
Strongest tornado tracks in Cabarrus County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| February 6, 2020 | EF2 | 6.19 mi | 0 / 0 | Mt Gilead |
| May 23, 2022 | EF1 | 6.03 mi | 0 / 0 | Harrisburg |
| October 22, 2019 | EF0 | 0.26 mi | 0 / 0 | Glass |
3 tornado tracks in all since 2014; the strongest 3 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Cabarrus County’s 2014 to 2025 pace of 1.08 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 91,339 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1996 |
| Built before 1980 | 31.4% |
| Built before 2000 | 55.7% |
| Built since 2010 | 21.7% |
| Owner-occupied | 72.1% |
| Median home value | $318,600 |
| Single-family permits, 2014 to 2025 | 19,291 |
| Permits per 1,000 homes | 211.2 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in Cabarrus County
Roofing firms in Cabarrus County
| Roofing contractor establishments, 2023 | 16 |
| Change since 2016 | +2 (+14%) |
| Homes per roofing firm | 5,709 |
| Median across counties | 5,189 |
| Employees, 2023 | 83 |
Source for Cabarrus County: Census County Business Patterns, NAICS 238160.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Cabarrus County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| Gaston County, NC | 37 | Relatively Moderate | $8.92 | 1.33 | $3.57 | 1.24 | 32 |
| Forsyth County, NC | 55 | Relatively Moderate | $7.95 | 1.18 | $2.47 | 0.86 | 23 |
| Guilford County, NC | 66 | Relatively Moderate | $10 | 1.51 | $3.23 | 1.12 | 48 |
| Alamance County, NC | 81 | Relatively Low | $18 | 2.66 | $6.65 | 2.31 | 19 |
| Cumberland County, NC | 100 | Relatively Moderate | $14 | 2.14 | $11 | 3.68 | 25 |
| Wake County, NC | 112 | Relatively High | $52 | 7.77 | $1.20 | 0.41 | 131 |
More North Carolina counties, nearest first
- Buncombe County 113 mi
- New Hanover County 170 mi
- Edgecombe County 171 mi
- Onslow County 184 mi
Cities and ZIP areas in Cabarrus County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 7 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Concord | 28025 (100%), 28032 (0%), 28034 (0%), 28109 (0%), 28072 (0%) | Roofers |
Storm hit your roof in Cabarrus County? A free inspection tells you if there is damage. One local roofer answers, not five.
Start an inspection requestQuestions
How high is storm risk in Cabarrus County?
FEMA's National Risk Index gives Cabarrus County an overall score of 87.05 (Relatively Moderate), 408th of 3,144. Hail scores 57.03 (Relatively Low), strong wind 74.81 (Relatively Moderate) and tornado 89.09 (Relatively Moderate).
In Cabarrus County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 32 for Cabarrus County between 2014 and June 2026, on 13 days with hail of 1 inch or more; the largest stone was 2.75 inches.
What do hail and wind cost a home in Cabarrus County each year, on average?
Applying FEMA's county rates to its median home value of $318,600: FEMA's estimate is about $2.14 a year for hail and $0.92 for wind, before any deductible, against $7.12 and $6.49 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does Cabarrus County compare with the rest of North Carolina?
Per $1 million of buildings Cabarrus County loses $6.71 to hail a year, against $9.65 in the median county of the state. Among 100 rated counties it is 41st for hail, 27th for strong wind and 13th for tornado.
How old are the roofs in Cabarrus County?
The median home was built in 1996, 30 years ago, and 55.7% of the 91,339 housing units in Cabarrus County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for Cabarrus County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Cabarrus County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Cabarrus County; Census County Business Patterns, roofing firms in Cabarrus County. Planning-level information about Cabarrus County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).