Flood history · Hampstead, NC 28443
Flood insurance claims in Hampstead, NC 28443
399 claims since 1988 and $8.3 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 28443 since 1978.
What the record says
About 38% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
One event dominates the record: Hurricane Florence accounts for 46% of all claims in this ZIP code.
Flooding here is recent: 190 claims (48%) were in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Pender County* takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Florence | 2018 | 182 | 46% |
| Hurricane Fran | 1996 | 103 | 26% |
| Hurricane Floyd | 1999 | 59 | 15% |
| Hurricane Bonnie | 1998 | 10 | 3% |
| Hurricane Matthew | 2016 | 7 | 2% |
| Hurricane Bertha | 1996 | 4 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Pender County
Flood, hurricane and storm declarations since 2000.
20 flood, storm or hurricane declarations for Pender County since 2000.
Check a specific address in Hampstead.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby North Carolina ZIP codes
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.
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