Does Wilmington have its own hazard scores?

No. Wilmington inherits North Carolina’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in New Hanover County can differ.

What should I check first in Wilmington?

Start with Hurricanes in North Carolina, then a ZIP lookup and the FEMA or USGS map that matches that hazard.

Wilmington, North Carolina home risk profile

What this page is

Wilmington sits in New Hanover County, North Carolina. This is a local briefing: it names the hazard that usually matters most here (Hurricanes), then shows the statewide ratings North Carolina homeowners use to decide what official map to open. It is not a flood-zone letter or an insurance quote.

Confirm the neighborhood with a ZIP lookup.
Open Hurricanes in North Carolina.
Verify the address on the official maps in the sidebar, then read a matching guide.

Wilmington is in New Hanover County, North Carolina. A North Carolina coastal city repeatedly hit by hurricanes. Storm surge, flooding and wind are the hazards that most affect homes and insurance.

The ratings below are state-level summaries used across North Carolina. Actual risk varies by neighborhood — always verify your address on FEMA flood maps, your county emergency management site and the official sources linked from each hazard page.

How to read the Wilmington snapshot

Wilmington is in New Hanover County, North Carolina. This page does not score individual streets. It tells you which statewide hazards matter most here, then points you to the official map for the address you care about.

The local focus is Hurricanes in North Carolina. Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Highest statewide ratings that apply in Wilmington

Hurricanes — Extreme. North Carolina faces some of the highest hurricane risk in the United States, with threats ranging from storm surge on…
Flooding — Major. Flooding is one of North Carolina's most frequent and costly natural hazards, and it looks different across the state…
Severe Storms — Major. Severe storms are a statewide hazard in North Carolina, rated 4 out of 5 for risk. Spring squall lines and summer…

What to do before you buy or renew in Wilmington

Look up the ZIP on our ZIP tool so you land on this city or the North Carolina profile.
Open the Hurricanes page and follow the official map links in the sidebar.
Confirm preparedness guidance with North Carolina Emergency Management.

Other North Carolina city briefings: Charlotte, Durham, Fayetteville, Greensboro, Raleigh, Winston-Salem.

Hazard ratings for North Carolina

These are state-level scores used across Wilmington. Use them as a starting point, then verify your exact address with the official maps linked on each hazard page.

Hurricanes North Carolina faces some of the highest hurricane risk in the United States, with threats ranging from storm surge on the Outer Banks to… Extreme Flooding Flooding is one of North Carolina's most frequent and costly natural hazards, and it looks different across the state — slow, prolonged… Major Severe Storms Severe storms are a statewide hazard in North Carolina, rated 4 out of 5 for risk. Spring squall lines and summer thunderstorms bring… Major Tornadoes North Carolina experiences tornadoes statewide, with an average of about 30 per year according to the NOAA Storm Prediction Center. The… Moderate Wildfires North Carolina has a moderate wildfire risk (level 3 of 5), with most fires occurring in spring and fall. The western mountains, Sandhills,… Moderate Extreme Heat Extreme heat is a recurring summer hazard in North Carolina, especially in the Piedmont, Sandhills, coastal plain, and urban areas where… Moderate Landslides North Carolina's landslide risk is concentrated in the western mountains, where steep slopes, deep soils and heavy rainfall can trigger… Moderate Earthquakes North Carolina has a low-to-moderate earthquake risk, rated 2 out of 5. Most quakes are small, but the 2020 Sparta earthquake caused… Minor Winter Storms North Carolina experiences a range of winter weather, from heavy snow in the mountains to dangerous ice storms in the Piedmont and Coastal… Minor Drought North Carolina experiences periodic droughts that can strain water supplies, damage foundations, and affect private wells. While the state… Minor

What the ratings mean

"MinimalMinorModerateMajorExtreme

Each rating is a statewide starting point, framed for a typical 30-year stay — the length of a standard mortgage. A neighborhood can look different from the state average. Always verify your address with official FEMA, NOAA or USGS maps.

Save this profile as a PDF for your records or insurance file.

Using the Wilmington profile

Does Wilmington have its own hazard scores?: No. Wilmington inherits North Carolina’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in New Hanover County can differ.
What should I check first in Wilmington?: Start with Hurricanes in North Carolina, then a ZIP lookup and the FEMA or USGS map that matches that hazard.
Will homeowners insurance cover Hurricanes here?: Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Last updated: October 8, 2026. Ratings are state-wide estimates — always verify your specific address with official sources.

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