Storm risk in Cumberland County, North Carolina

FEMA's overall hazard score for Cumberland County is 89.47 (Relatively Moderate), 332nd of 3,144 counties. Hail scores 79.39 (Relatively Moderate), strong wind 75.86 (Relatively Moderate) and tornado 92.97 (Relatively High). Expected hail loss is $14 per $1 million of buildings a year; NOAA logged 25 hail reports in Cumberland County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Cumberland County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of NC$0.1$1$10$100$1,000Hail: $14 per $1 million, 1,852nd of 3,126 rated counties$14Hail1,852nd of 3,126 countiesStrong wind: $11 per $1 million, 2,163rd of 3,121 rated counties$11Strong wind2,163rd of 3,121 countiesTornado: $183 per $1 million, 1,660th of 3,144 rated counties$183Tornado1,660th of 3,144 counties
  • Cumberland 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 Cumberland County

HazardRatingScore (0 to 100)Rank in U.S.Rank in NC
OverallRelatively Moderate 89.47332 of 3,14416 of 100
HailRelatively Moderate 79.39649 of 3,12611 of 100
Strong windRelatively Moderate 75.86760 of 3,12624 of 100
TornadoRelatively High 92.97222 of 3,1268 of 100

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$824,727$14 $9.65$22 1,852 of 3,12626 of 100
Strong wind$608,988$11 $8.61$20 2,163 of 3,12142 of 100
Tornado$10,488,552$183 $156$199 1,660 of 3,14437 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 Cumberland County

  • FEMA expects hail in Cumberland County to cost $14 per $1 million of buildings a year: 0.64 times the U.S. median and 1.49 times the NC county median, ranked 1,852nd of 3,126 counties nationally and 26th of 100 in North Carolina.
  • FEMA expects strong wind in Cumberland County to cost $11 per $1 million of buildings a year: 0.52 times the U.S. median and 1.23 times the NC county median, ranked 2,163rd of 3,121 counties nationally and 42nd of 100 in North Carolina.
  • FEMA expects tornado in Cumberland County to cost $183 per $1 million of buildings a year: 0.92 times the U.S. median and 1.17 times the NC county median, ranked 1,660th of 3,144 counties nationally and 37th of 100 in North Carolina.
  • Applying FEMA's estimate to a $183,700 home, the average yearly loss in Cumberland County is about $2.64 for hail and $1.95 for wind before any deductible; at the U.S. median county rates it would be $4.10 and $3.74.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Cumberland County meets about 25.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1987, the median home in Cumberland County is 39 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 71.9% of its 143,184 homes are at least 26 years old.
  • March to June holds 22 of the 25 hail reports in Cumberland 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 Cumberland 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.

$2.64hail, a year; $4.10 at the U.S. median county rate
$1.95strong wind, a year; $3.74 at the U.S. median county rate
$92hail and wind together over 20 years, at today’s rate

Formula: home value × Cumberland County yearly loss ÷ building value. Hail: $824,727 ÷ $57,336,508,309 = 0.0000144. Wind: $608,988 ÷ $57,336,508,309 = 0.0000106. 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.

Cumberland County in plain numbers

  • Cumberland County scores 89.47 in FEMA's overall hazard index (Relatively Moderate): 332nd of 3,144 rated counties and 16th of 100 in North Carolina.
  • Hail scores 79.39 (Relatively Moderate). FEMA expects $824,727 of hail damage to buildings in Cumberland County a year, which is $14 per $1 million of buildings, 0.64 times the U.S. median.
  • Strong wind scores 75.86 (Relatively Moderate) with $608,988 of expected yearly building loss in Cumberland County: $11 per $1 million of buildings, 0.52 times the U.S. median.
  • Tornado scores 92.97 (Relatively High) and FEMA's expected yearly tornado loss is $10,488,552, counting everything exposed, or $183 per $1 million of buildings in Cumberland County.
  • FEMA's own event record for Cumberland County averages 4.00 hail events and 1.97 strong-wind events a year.
  • NOAA logged 25 hail reports in Cumberland County between 2014 and June 2026, on 15 days with stones of 1 inch or more; the largest was 1.75 inches.
  • In Cumberland County, FEMA counts buildings worth 57.34 billion dollars and 334,379 residents.
  • Social vulnerability is Relatively Low in Cumberland County.
  • Community resilience there is Relatively Low, for 334,379 residents.
  • 1 city in Cumberland County is covered on this site: Fayetteville. 17 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 Fayetteville is $6,090 to $13,485.
  • Cumberland County ranks 118 of the 194 counties with a page here for hail loss per $1 million of buildings, 100 for wind and 117 for tornado.
  • In Cumberland County, June is the busiest month with 9 of the 25 reports (36 percent), against 0 reports in December.
  • Cumberland County's worst year was 2016, with 4 hail days at 1 inch or more and 7 reports. At the 2014 to 2025 pace that is 1.25 such days a year, one about every 9.6 months.
  • The median home in Cumberland County was built in 1987; 39.0% of its 143,184 housing units date from before 1980, 71.9% from before 2000 and 11.3% from 2010 on.
  • Census puts the median home value in Cumberland County at $183,700, and 53.7% of homes are lived in by their owners.
  • 8,994 single-family building permits were issued in Cumberland County from 2014 to 2025, about 62.8 per 1,000 homes, peaking in 2024.
  • NOAA lists 1 tornado track in Cumberland County since 2014; the strongest was an EF1 on April 29, 2014 near Stedman, 1.72 miles long.
  • The fastest gust in NOAA's records for Cumberland County is 74 mph on July 8, 2015 at (Fbg)Ft Bragg.
  • The nearest county with a page here is Wake County, 53 miles from the centre of Cumberland County; its hail score is 98.51.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 14 roofing contractor establishments in Cumberland County in 2023, one for every 10,227 homes.

The hail record of Cumberland County, year by year

NOAA logged 25 reports in Cumberland County; hail of 1 inch or more fell on 15 days. That is 1.2 such days a year; the median county in NOAA’s file has 1.8.

Cumberland County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more024682014: 6 reports, 3 days at 1 inch or more, largest 1.25 inch142015: 3 reports, 3 days at 1 inch or more, largest 1 inch152016: 7 reports, 4 days at 1 inch or more, largest 1.75 inch162017: 2 reports, 1 days at 1 inch or more, largest 1 inch172018: 2 reports, 1 days at 1 inch or more, largest 1.5 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 2 reports, 1 days at 1 inch or more, largest 1 inch212022: 1 reports, 0 days at 1 inch or more, largest 0.88 inch222023: 1 reports, 1 days at 1 inch or more, largest 1 inch232024: 0 reports, 0 days at 1 inch or more, largest 0 inch242025: 1 reports, 1 days at 1 inch or more, largest 1 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Cumberland County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 1 reports1FebMarch: 1 reports1MarApril: 8 reports8AprMay: 4 reports4MayJune: 9 reports9JunJuly: 1 reports1JulAugust: 0 reports0AugSeptember: 1 reports1SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: June, 9 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20146301.25 in–
20153301 in–
20167411.75 in–
20172101 in–
20182101.5 in–
20212101 in–
20221000.88 in–
20231101 in–
20251101 in–

Biggest hail days in Cumberland County

DateLargest stoneReports that dayDamage reportedNear
June 5, 20161.75 in3none recordedStedman
June 25, 20181.5 in2none recordedFayetteville
February 24, 20161.5 in1none recordedHope Mills
April 25, 20141.25 in4none recordedSpring Lake
May 3, 20161 in2none recordedCedar Creek

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Cumberland County the big stones fell.

Reported hail locations, Cumberland County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail Fayetteville
  • 191 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 1.75 in. Bigger dots are bigger stones.

21 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Cumberland County

Fastest gusts in Cumberland County

DateGustNear
July 8, 201574 mph(Fbg)Ft Bragg
July 15, 202471 mph(Fbg)Ft Bragg
April 15, 201869 mph(Fbg)Ft Bragg
June 11, 202267 mph(Fbg)Ft Bragg

Strongest tornado tracks in Cumberland County

DateScaleLengthInjured / killedNear
April 29, 2014EF11.72 mi0 / 0Stedman

1 tornado track in all since 2014; the strongest 1 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 Cumberland County’s 2014 to 2025 pace of 1.25 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Cumberland County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 2.0% of homes2%<19401141940s: 2.3% of homes2.3%1940s1011950s: 5.4% of homes5.4%1950s891960s: 11.7% of homes11.7%1960s761970s: 17.5% of homes17.5%1970s641980s: 15.0% of homes15%1980s511990s: 17.9% of homes17.9%1990s392000s: 16.7% of homes16.7%2000s262010s: 10.4% of homes10.4%2010s142020+: 0.9% of homes0.9%2020+4

Bars: share of 143,184 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 built1987
Built before 198039.0%
Built before 200071.9%
Built since 201011.3%
Owner-occupied53.7%
Median home value$183,700
Single-family permits, 2014 to 20258,994
Permits per 1,000 homes62.8

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 Cumberland County

Roofing firms in Cumberland County

Roofing contractor establishments, 202314
Change since 2016+7 (+100%)
Homes per roofing firm10,227
Median across counties5,189
Employees, 202353

Source for Cumberland 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 Cumberland County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Wake County, NC53 Relatively High $523.63$1.200.11131
Alamance County, NC76 Relatively Low $181.24$6.650.6319
New Hanover County, NC78 Relatively High $1.450.10$2.540.2414
Onslow County, NC84 Relatively High $2.490.17$131.2635
Guilford County, NC90 Relatively Moderate $100.71$3.230.3048
Edgecombe County, NC91 Relatively Low $140.94$121.1614

More North Carolina counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Cumberland 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. 17 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Fayetteville 28301 (100%), 28303 (100%), 28304 (98%), 28305 (100%), 28311 (100%) Roofers

Storm hit your roof in Cumberland County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Cumberland County?

FEMA's National Risk Index gives Cumberland County an overall score of 89.47 (Relatively Moderate), 332nd of 3,144. Hail scores 79.39 (Relatively Moderate), strong wind 75.86 (Relatively Moderate) and tornado 92.97 (Relatively High).

In Cumberland 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 25 for Cumberland County between 2014 and June 2026, on 15 days with hail of 1 inch or more; the largest stone was 1.75 inches.

What do hail and wind cost a home in Cumberland County each year, on average?

Applying FEMA's county rates to its median home value of $183,700: FEMA's estimate is about $2.64 a year for hail and $1.95 for wind, before any deductible, against $4.10 and $3.74 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 Cumberland County compare with the rest of North Carolina?

Per $1 million of buildings Cumberland County loses $14 to hail a year, against $9.65 in the median county of the state. Among 100 rated counties it is 11th for hail, 24th for strong wind and 8th for tornado.

How old are the roofs in Cumberland County?

The median home was built in 1987, 39 years ago, and 71.9% of the 143,184 housing units in Cumberland 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 Cumberland County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Cumberland County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Cumberland County; Census County Business Patterns, roofing firms in Cumberland County. Planning-level information about Cumberland 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).