Wilmington, North Carolina Flood Zones
Wilmington faces severe coastal flooding from hurricane storm surge and heavy tropical rainfall. Hurricane Florence in 2018 trapped the city between storm surge and record-breaking inland rainfall for days.
Common Flood Zones in Wilmington
Properties in Wilmington, NC are commonly designated in these FEMA flood zones:
Check Your Wilmington Address
Enter any Wilmington, NC address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in Wilmington
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In Wilmington, the most common designations are Zone AE, Zone VE, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any Wilmington address.