ZIP Codes with Highest Flood Risk in North Carolina ...

Out of 792 ZIP codes with data in North Carolina, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All North Carolina Rankings

Statistic	Value
ZIP codes ranked	792
Highest value	5,547 claims
Median value	13 claims
State	North Carolina

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Flood Claims	Safety Score
1	28445	Holly Ridge	NC	5,547 claims	50/100
2	27889	Washington	NC	3,787 claims	74/100
3	27810	Belhaven	NC	3,731 claims	67/100
4	28480	Wrightsville Beach	NC	3,560 claims	74/100
5	27949	Kitty Hawk	NC	3,506 claims	50/100
6	28560	New Bern	NC	3,203 claims	74/100
7	27959	Nags Head	NC	3,107 claims	67/100
8	28428	Carolina Beach	NC	3,038 claims	70/100
9	28465	Oak Island	NC	2,853 claims	67/100
10	27948	Kill Devil Hills	NC	2,720 claims	75/100
11	28462	Supply	NC	2,409 claims	50/100
12	28460	Sneads Ferry	NC	2,255 claims	50/100
13	28571	Oriental	NC	2,178 claims	75/100
14	28562	New Bern	NC	2,015 claims	74/100
15	28516	Beaufort	NC	1,797 claims	74/100
16	28594	Emerald Isle	NC	1,697 claims	73/100
17	27915	Avon	NC	1,642 claims	50/100
18	28469	Ocean Isle Beach	NC	1,613 claims	66/100
19	28512	Atlantic Beach	NC	1,581 claims	74/100
20	27920	Buxton	NC	1,526 claims	67/100
21	27968	Rodanthe	NC	1,478 claims	67/100
22	28461	Southport	NC	1,429 claims	50/100
23	27943	Hatteras	NC	1,337 claims	50/100
24	28409	Wilmington	NC	1,335 claims	73/100
25	27927	Corolla	NC	1,297 claims	67/100
26	27936	Frisco	NC	1,125 claims	50/100
27	28411	Wilmington	NC	1,058 claims	73/100
28	27954	Manteo	NC	895 claims	72/100
29	28358	Lumberton	NC	870 claims	71/100
30	27530	Goldsboro	NC	842 claims	78/100
31	28584	Swansboro	NC	817 claims	70/100
32	28449	Kure Beach	NC	805 claims	80/100
33	27817	Chocowinity	NC	804 claims	71/100
34	27960	Ocracoke	NC	794 claims	72/100
35	28570	Newport	NC	710 claims	79/100
36	28557	Morehead City	NC	686 claims	78/100
37	28556	Merritt	NC	682 claims	55/100
38	28532	Havelock	NC	639 claims	72/100
39	27808	Bath	NC	582 claims	72/100
40	27925	Columbia	NC	582 claims	71/100
41	28425	Burgaw	NC	575 claims	55/100
42	28205	Charlotte	NC	563 claims	68/100
43	27909	Elizabeth City	NC	536 claims	79/100
44	27972	Salvo	NC	534 claims	55/100
45	28515	Bayboro	NC	514 claims	67/100
46	28459	Shallotte	NC	498 claims	54/100
47	27806	Aurora	NC	441 claims	78/100
48	27804	Rocky Mount	NC	440 claims	78/100
49	28403	Wilmington	NC	435 claims	78/100
50	27801	Rocky Mount	NC	433 claims	78/100
51	27834	Greenville	NC	416 claims	79/100
52	28207	Charlotte	NC	415 claims	68/100
53	28501	Kinston	NC	404 claims	67/100
54	28215	Charlotte	NC	399 claims	68/100
55	28443	Hampstead	NC	398 claims	73/100
56	28540	Jacksonville	NC	387 claims	74/100
57	28405	Wilmington	NC	371 claims	78/100
58	27983	Windsor	NC	362 claims	80/100
59	28466	Wallace	NC	360 claims	54/100
60	28504	Kinston	NC	330 claims	67/100
61	27514	Chapel Hill	NC	322 claims	61/100
62	28360	Lumberton	NC	319 claims	71/100
63	28524	Davis	NC	318 claims	55/100
64	28209	Charlotte	NC	315 claims	68/100
65	27858	Greenville	NC	308 claims	79/100
66	27982	Waves	NC	307 claims	55/100
67	27886	Tarboro	NC	306 claims	45/100
68	28803	Asheville	NC	302 claims	20/100
69	27875	Scranton	NC	295 claims	55/100
70	27893	Wilson	NC	293 claims	75/100
71	27609	Raleigh	NC	284 claims	46/100
72	27932	Edenton	NC	284 claims	78/100
73	27604	Raleigh	NC	283 claims	46/100
74	28716	Canton	NC	281 claims	63/100
75	28510	Arapahoe	NC	277 claims	55/100
76	27885	Swanquarter	NC	273 claims	80/100
77	28579	Smyrna	NC	272 claims	55/100
78	28607	Boone	NC	263 claims	54/100
79	27824	Engelhard	NC	261 claims	55/100
80	28472	Whiteville	NC	255 claims	71/100
81	28721	Clyde	NC	245 claims	66/100
82	28412	Wilmington	NC	239 claims	78/100
83	28577	Sealevel	NC	237 claims	55/100
84	28468	Sunset Beach	NC	236 claims	55/100
85	28587	Vandemere	NC	226 claims	55/100
86	27608	Raleigh	NC	223 claims	46/100
87	28467	Calabash	NC	212 claims	55/100
88	28450	Lake Waccamaw	NC	210 claims	79/100
89	28211	Charlotte	NC	201 claims	68/100
90	28214	Charlotte	NC	201 claims	68/100
91	27407	Greensboro	NC	197 claims	80/100
92	28805	Asheville	NC	196 claims	25/100
93	27978	Stumpy Point	NC	193 claims	77/100
94	27803	Rocky Mount	NC	192 claims	83/100
95	28553	Marshallberg	NC	184 claims	60/100
96	28792	Hendersonville	NC	182 claims	56/100
97	27534	Goldsboro	NC	179 claims	83/100
98	28546	Jacksonville	NC	175 claims	79/100
99	28451	Leland	NC	174 claims	75/100
100	28301	Fayetteville	NC	172 claims	84/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.