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 historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | 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	Historical NFIP Claims	Safety Score
1	28445	Holly Ridge	NC	5,547 claims	—
2	27889	Washington	NC	3,788 claims	—
3	27810	Belhaven	NC	3,732 claims	—
4	28480	Wrightsville Beach	NC	3,560 claims	99/100
5	27949	Kitty Hawk	NC	3,507 claims	—
6	28560	New Bern	NC	3,202 claims	—
7	27959	Nags Head	NC	3,107 claims	—
8	28428	Carolina Beach	NC	3,039 claims	99/100
9	28465	Oak Island	NC	2,851 claims	—
10	27948	Kill Devil Hills	NC	2,721 claims	—
11	28462	Supply	NC	2,408 claims	—
12	28460	Sneads Ferry	NC	2,255 claims	—
13	28571	Oriental	NC	2,178 claims	—
14	28562	New Bern	NC	2,016 claims	—
15	28516	Beaufort	NC	1,798 claims	98/100
16	28594	Emerald Isle	NC	1,695 claims	98/100
17	27915	Avon	NC	1,642 claims	—
18	28469	Ocean Isle Beach	NC	1,606 claims	—
19	28512	Atlantic Beach	NC	1,578 claims	97/100
20	27920	Buxton	NC	1,559 claims	—
21	27968	Rodanthe	NC	1,482 claims	—
22	28461	Southport	NC	1,430 claims	—
23	27943	Hatteras	NC	1,337 claims	—
24	28409	Wilmington	NC	1,337 claims	97/100
25	27927	Corolla	NC	1,297 claims	—
26	27936	Frisco	NC	1,127 claims	—
27	28411	Wilmington	NC	1,055 claims	95/100
28	27954	Manteo	NC	895 claims	—
29	28358	Lumberton	NC	870 claims	—
30	27530	Goldsboro	NC	842 claims	—
31	28584	Swansboro	NC	817 claims	98/100
32	28449	Kure Beach	NC	806 claims	100/100
33	27817	Chocowinity	NC	804 claims	—
34	27960	Ocracoke	NC	794 claims	—
35	28570	Newport	NC	710 claims	77/100
36	28557	Morehead City	NC	687 claims	96/100
37	28556	Merritt	NC	682 claims	—
38	28532	Havelock	NC	639 claims	—
39	27808	Bath	NC	582 claims	—
40	27925	Columbia	NC	582 claims	—
41	28425	Burgaw	NC	575 claims	—
42	28205	Charlotte	NC	563 claims	92/100
43	27909	Elizabeth City	NC	536 claims	—
44	27972	Salvo	NC	534 claims	—
45	28515	Bayboro	NC	511 claims	—
46	28459	Shallotte	NC	505 claims	—
47	27804	Rocky Mount	NC	441 claims	—
48	27806	Aurora	NC	441 claims	—
49	28403	Wilmington	NC	435 claims	99/100
50	27801	Rocky Mount	NC	432 claims	76/100
51	27834	Greenville	NC	416 claims	68/100
52	28207	Charlotte	NC	415 claims	92/100
53	28501	Kinston	NC	404 claims	82/100
54	28215	Charlotte	NC	399 claims	71/100
55	28443	Hampstead	NC	398 claims	—
56	28540	Jacksonville	NC	387 claims	—
57	28405	Wilmington	NC	375 claims	92/100
58	27983	Windsor	NC	362 claims	—
59	28466	Wallace	NC	360 claims	—
60	28504	Kinston	NC	331 claims	82/100
61	27514	Chapel Hill	NC	322 claims	—
62	28360	Lumberton	NC	319 claims	—
63	28524	Davis	NC	318 claims	—
64	28209	Charlotte	NC	317 claims	92/100
65	27858	Greenville	NC	308 claims	76/100
66	27982	Waves	NC	307 claims	—
67	27886	Tarboro	NC	306 claims	70/100
68	28803	Asheville	NC	302 claims	64/100
69	27875	Scranton	NC	295 claims	—
70	27893	Wilson	NC	293 claims	—
71	27604	Raleigh	NC	285 claims	66/100
72	27609	Raleigh	NC	284 claims	67/100
73	27932	Edenton	NC	284 claims	—
74	28716	Canton	NC	281 claims	83/100
75	28510	Arapahoe	NC	278 claims	—
76	27885	Swanquarter	NC	273 claims	100/100
77	28579	Smyrna	NC	269 claims	—
78	28607	Boone	NC	263 claims	—
79	27824	Engelhard	NC	261 claims	—
80	28472	Whiteville	NC	255 claims	—
81	28721	Clyde	NC	245 claims	79/100
82	28412	Wilmington	NC	238 claims	98/100
83	28577	Sealevel	NC	238 claims	—
84	28468	Sunset Beach	NC	236 claims	—
85	28587	Vandemere	NC	229 claims	—
86	27608	Raleigh	NC	223 claims	67/100
87	28467	Calabash	NC	212 claims	—
88	28450	Lake Waccamaw	NC	210 claims	—
89	28211	Charlotte	NC	201 claims	92/100
90	28214	Charlotte	NC	201 claims	91/100
91	27407	Greensboro	NC	197 claims	80/100
92	28805	Asheville	NC	196 claims	65/100
93	27978	Stumpy Point	NC	193 claims	—
94	27803	Rocky Mount	NC	192 claims	—
95	28553	Marshallberg	NC	184 claims	—
96	28792	Hendersonville	NC	182 claims	—
97	27534	Goldsboro	NC	180 claims	—
98	28546	Jacksonville	NC	175 claims	—
99	28451	Leland	NC	174 claims	—
100	28301	Fayetteville	NC	172 claims	83/100

Methodology

This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.

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: 2026-08-31.

Frequently Asked Questions

What does this ranking show?

It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.

Where does the claim data come from?

The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.