Flood history · Oak Island, NC 28465
Flood insurance claims in Oak Island, NC 28465
2,847 claims since 1979 and $27.0 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 28465 since 1978.
What the record says
Almost all claims here (92%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.
Losses are spread across many events; the largest, Hurricane Floyd, accounts for 23% of claims.
657 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Oak Island, Town Of takes part in FEMA's Community Rating System (class 6), which can lower flood insurance premiums by up to 20% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Floyd | 1999 | 660 | 23% |
| Hurricane Isaias | 2020 | 377 | 13% |
| Hurricane Hugo | 1989 | 337 | 12% |
| Hurricane Florence | 2018 | 190 | 7% |
| Hurricane Fran | 1996 | 174 | 6% |
| Hurricane Bonnie | 1998 | 115 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Brunswick County
Flood, hurricane and storm declarations since 2000.
22 flood, storm or hurricane declarations for Brunswick County since 2000.
Check a specific address in Oak Island.
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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