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Flood history · Southport, NC 28461

Flood insurance claims in Southport, NC 28461

1,432 claims since 1978 and $20.7 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 28461
1,432flood insurance claims since 1978
$20.7 millionpaid to policyholders
$21,355average paid claim
757claims in the last 10 years
23%of claims outside high-risk zones
#22of 744 North Carolina ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 28461 since 1978.

1978: 2 claims1979: 5 claims1983: 2 claims1984: 8 claims1985: 12 claims1986: 6 claims1987: 25 claims1989: 79 claims1990: 2 claims1991: 3 claims1992: 2 claims1993: 33 claims1994: 15 claims1995: 22 claims1996: 57 claims1998: 42 claims1999: 210 claims2003: 5 claims2004: 15 claims2005: 54 claims2008: 3 claims2009: 3 claims2010: 11 claims2011: 3 claims2014: 2 claims2015: 36 claims2016: 18 claims2017: 1 claims2018: 536 claims2019: 3 claims2020: 61 claims2021: 6 claims2022: 6 claims2023: 1 claims2024: 141 claims2025: 2 claims19801990200020102020

What the record says

77% of claims were on properties in high-risk zones and 23% outside them.

Losses are spread across many events; the largest, Hurricane Florence, accounts for 36% of claims.

Flooding here is recent: 757 claims (53%) were in the last 10 years.

The most commonly recorded cause is tidal water overflow: coastal surge and high tides.

Bald Head Island, Village Of 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

EventYearClaimsShare
Hurricane Florence201851836%
Hurricane Floyd199920414%
Tropical Cyclone Eight20241349%
Hurricane Hugo1989644%
Hurricane Isaias2020574%
Hurricane Fran1996433%

Flood zone at time of claim

High-risk zones (A, V)77% · 1,097
Moderate or minimal risk (X, B, C)23% · 327
Zone not recorded1% · 8

NFIP communities

Bald Head Island, Village OfCRS class 7 · up to 15% off
Southport, City OfCRS class 7 · up to 15% off
St James, Town OfCRS class 7 · up to 15% off
Boiling Spring Lakes, City OfParticipates in the NFIP

Federal disaster declarations in Brunswick County

Flood, hurricane and storm declarations since 2000.

Potential Tropical Cyclone EightTropical Storm · Major disaster · 2024-10-19
Hurricane HeleneTropical Storm · Emergency · 2024-09-26
Tropical Storm DebbyTropical Storm · Emergency · 2024-08-06
Hurricane IanHurricane · Emergency · 2022-10-01
Hurricane IsaiasHurricane · Major disaster · 2020-10-14
Hurricane IsaiasHurricane · Emergency · 2020-08-02

22 flood, storm or hurricane declarations for Brunswick County since 2000.

Check a specific address in Southport.

ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.

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Nearby North Carolina ZIP codes

28465

Oak Island

2,847 claims · $27.0 million paid

28449

Kure Beach

806 claims · $27.6 million paid

28422

Bolivia

123 claims · $6.5 million paid

28428

Carolina Beach

3,039 claims · $42.6 million paid

28412

Wilmington

238 claims · $2.2 million paid

28462

Supply

2,408 claims · $15.1 million paid

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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