Risk Before Buy
ZIP Code Risk Report · NC

Wilmington, NC: Wildfire & Flood Risk (28411)

28411 in Wilmington, NC: wildfire and flood risk, est. insurance $1,835–$3,327/yr, and buyer guidance before you close.

Wilmington, North Carolina 28411

Data retrieved: Oct 29, 2026 at 15:03 UTC

Overall Risk

Below the national median (safer than most)

County-level composite

Est. Annual Insurance

$1,835 – $3,327

Directional range

Premium Strain

3.9% of median income

elevated

Flood Insurance

Not required

Parcel falls outside SFHA

Wildfire-first due diligence

Wildfire risk in 28411: what to check before closing

  • Primary driver: wildfire (score 75) based on federal datasets for 28411.
  • Est. homeowners insurance $1,835–$3,327/yr; ask carriers how wildfire is priced in Wilmington.
  • Use nearby-ZIP comparisons to pressure-test price, insurance, and resale liquidity.

Quick buyer brief

What makes 28411 different

A short, indexable summary for buyers comparing 28411 with nearby options in Wilmington.

28411 ranks below the national median (safer than most) for overall climate risk, with the biggest current drivers being wildfire or flood.

Buyers in this ZIP should budget roughly $1,835 - $3,327/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.

If you are choosing between nearby ZIP codes, compare this page with the city overview and the nearby-ZIP links below before you write an offer.

Wilmington city overviewFlood insurance guideContract templatesRun free address lookup

Insurance Market Context

These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.

Market Pressure

HIGH

North Carolina's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.

Admitted Market Share

66%

Carriers exiting at 6.4% YoY in North Carolina.

Residual Market

$2,300–$5,000

annual · last-resort
FAIR Plan / Citizens exposure up 84% since 2020.

Premium Strain Index

Insurance is roughly 3.9% of median household income — above the 2% middle-income affordability benchmark.

Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,835 to $3,327. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.

Not an insurance quote. These figures are derived from public state Department of Insurance filings and are intended to surface market pressure signals. Actual premiums depend on parcel-specific underwriting factors and carrier availability. Consult a licensed insurance broker for a binding quote.

Unknown County Hazard Breakdown

Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).

Bottom 20% nationally (safer than most)

Hurricane

Minimal

Bottom 20% nationally (safer than most)

Earthquake

Minimal

Below the national median (safer than most)

Extreme Heat

Low

Around the national median

Flood

Moderate

Above the national median (top 25% most at-risk)

Wildfire

High

Below the national median (safer than most)

Severe Storm / Tornado

Low
Hazard
Risk Level
Score · Source
Hurricane
Bottom 20% nationally (safer than most)· FEMA
Earthquake
Bottom 20% nationally (safer than most)· USGS
Extreme Heat
Below the national median (safer than most)· NOAA
Flood
Around the national median· FEMA
Wildfire
Above the national median (top 25% most at-risk)· USDA
Severe Storm / Tornado
Below the national median (safer than most)· FEMA

Local Flood Risk Cost Estimator

Flood insurance costs in Wilmington, NC

In Wilmington, NC, the directional annual NFIP flood insurance premium is approximately $1,121 (range $600–$1,513), and the estimated average historical flood claim in New Hanover is $57,720. Typical mapped exposure aligns with Zone X (moderate / 500-year) (county flood percentile: 60).

NFIP premium (mid)
$1,121/yr
Monthly escrow slice
$50–$126/mo
Avg. paid claim
$57,720
Lender may require
Often optional
Check my flood zoneFlood + escrow calculatorFull Wilmington flood cost guide

Wildfire & FAIR Plan Stress Test

Wildfire insurance non-renewal risk in Wilmington, NC

In Wilmington, NC, admitted-carrier withdrawal could push coverage through North Carolina Joint Underwriting Association / Beach Plan at roughly $6,711/yr — about +$4,130/yr vs. a $2,581 baseline (wildfire percentile: 75).

Non-renewal risk: severe

Baseline premium
$2,581/yr
Residual market est.
$6,711/yr
Annual uplift
+$4,130/yr
Wildfire insurance screenFull FAIR Plan ZIP estimator

What each hazard means for you

Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.

Hurricane Risk

Bottom 20% nationally (safer than most)Minimal

Federal hurricane data unavailable; score is a seed estimate.

FEMA · National Risk Index (HRCN)

Earthquake Risk

Bottom 20% nationally (safer than most)Minimal

Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: 0.072g (site class D). Geologically stable region; earthquake is not a meaningful property risk here.

USGS · Design Maps (ASCE 7-16) + NRI

Extreme Heat

Below the national median (safer than most)Low

Federal heat data unavailable; score is a seed estimate.

NOAA · National Risk Index (HWAV)

Flood Risk

Around the national medianModerate

Federal flood data unavailable for this location; score is a seed estimate.

FEMA · National Risk Index

Wildfire Risk

Above the national median (top 25% most at-risk)High

USDA Wildfire Hazard Potential at parcel: High (Class 4/5). NRI county data unavailable.

USDA · WHP + National Risk Index

Severe Storm / Tornado

Below the national median (safer than most)Low

Federal severe-storm data unavailable; score is a seed estimate.

FEMA · National Risk Index (TRND)

FEMA Flood Zone

Is this specific parcel in a Special Flood Hazard Area?

The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.

Run a free address lookup

Carrier Outlook

North Carolina's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.

Data Sources

FEMA NRINOAAUSGSUSDAEPA
Data Sources & Methodology

FEMA— National Risk Index

Retrieved October 29, 2026

View source

FEMA— National Risk Index (HRCN)

Retrieved October 29, 2026

View source

USDA— WHP + National Risk Index

Retrieved October 29, 2026

View source

USGS— Design Maps (ASCE 7-16) + NRI

Retrieved October 29, 2026

View source

NOAA— National Risk Index (HWAV)

Retrieved October 29, 2026

View source

FEMA— National Risk Index (TRND)

Retrieved October 29, 2026

View source
View full methodology

What buyers should know

Buying in 28411: a risk primer

Before you write an offer on a home in Wilmington, understand how climate and insurance costs affect long-term ownership in 28411.

28411 in Wilmington, North Carolina, scores below the national median (safer than most) on our composite climate-risk index. That ranking reflects the combined influence of wildfire exposure (75) and flood risk (60) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.

The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.

Wildfire risk in 28411

The wildfire exposure score for 28411 is 75 (high), which is above the national median. 28411 sits in or adjacent to a high wildfire hazard zone. In North Carolina, this affects both insurance availability and utility-side public safety power shutoff (PSPS) risk. Buyers should confirm the parcel's defensible space, roof class, and whether the neighborhood has a FireWise USA designation.

For a specific address inside 28411, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.

Flood risk in 28411

The flood risk score for 28411 is 60 (moderate), which is around or slightly above the national median. Parts of 28411 carry moderate flood exposure driven by rainfall-driven ponding or nearby creek flooding. Even outside the SFHA, lenders do not require flood insurance unless the parcel is mapped in Zone A/AE, but we still recommend a flood quote before closing.

For a specific address inside 28411, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.

Insurance is where climate risk becomes a monthly payment. In 28411, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,835 – $3,327 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.

Relative to local incomes, that premium range equals approximately 3.9% of the Unknown County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.

Buyer action items

  • Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes wildfire exposure and flood risk. Do this before the inspection contingency expires.
  • Add a climate contingency to the purchase agreement. Our free North Carolina-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
  • Order hazard-specific inspections if the top risks warrant it. In 28411, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.

Frequently asked questions about 28411

Ready to underwrite 28411?

Get the full address-level report

Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).

Full Report

Tier L2

$19per address

Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.

  • Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
  • 30-year federal climate projections for heat, wildfire, and sea level rise
  • Insurance premium estimate range based on state DOI filings
  • Clear buy / negotiate / walk-away recommendation with plain-language reasoning
  • Comparable lower-risk communities within 25 miles (up to 3 when available)
  • Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
  • Single PDF you can share with your partner, agent, or inspector

Best for: pre-offer sanity check

Delivered: PDF by email within 5 minutes

Federal data: FEMA, USGS, NOAA, USDA, EPA

Delivered by email within 5 minutes of payment.

Most comprehensive

Pre-Purchase Audit

Tier L3

$99per property

Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.

  • Everything in the $19 Full Report
  • Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
  • State insurance market analysis: admitted carrier share, exit rate, residual market growth
  • Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
  • 10-year NOAA Storm Events claim history for the ZIP code
  • Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
  • Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
  • Identifies whether the property may become hard to insure before you close
  • Gives you specific talking points for price, credits, and contingency negotiation

Best for: under-contract buyers

Delivered: PDF by email within 24 hours

Includes: 7-day no-questions-asked refund

Delivered by email within 24 hours of payment.

Nearby ZIP risk profiles in New Hanover

Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Wilmington.

Explore 28411 in context

Indexable hub links for buyers comparing 28411 with the wider Wilmington market and North Carolina insurance trends.

How we score 28411

Free contract templates for North Carolina buyers

Download free climate-risk contingency addendums written for North Carolina purchase agreements. Add wildfire, flood, or tornado contingencies to your offer.

Browse free templates