Flood history · Sunset Beach, NC 28468
Flood insurance claims in Sunset Beach, NC 28468
236 claims since 1987 and $595,677 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 28468 since 1978.
What the record says
89% of claims were on properties in high-risk zones and 11% outside them.
Losses are spread across many events; the largest, Hurricane Bonnie, accounts for 22% of claims.
38 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Sunset Beach, 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 Bonnie | 1998 | 51 | 22% |
| Hurricane Floyd | 1999 | 47 | 20% |
| Hurricane Hugo | 1989 | 20 | 8% |
| Hurricane Fran | 1996 | 17 | 7% |
| October severe storms | 2015 | 10 | 4% |
| Hurricane Isaias | 2020 | 9 | 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 Sunset Beach.
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.
All North Carolina ZIP codes · All states · Flood zones explained