Natural Disaster Risk in Ocean Isle Beach

North Carolina

7.3out of 10

High Risk

Risk Summary for Ocean Isle Beach

Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.

Top Hazards

Coastal Flooding Hurricane Wildfire

All 18 Hazard Scores

Hurricane

9.9

Coastal Flooding

9.9

Wildfire

9.4

Winter Weather

9.4

Lightning

9.3

Tornado

8.9

Extreme Heat

8.7

Ice Storm

8.7

Earthquake

8.5

Strong Wind

7.6

Cold Wave

7.2

Tsunami

5.4

Volcanic Activity

5.1

Avalanche

4.5

Landslide

4.0

Drought

3.8

Hail

3.4

Riverine Flooding

1.0

How it compares

Ocean Isle Beach

7.3

North Carolina avg.

6.2

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk — check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

ZIP Codes in Ocean Isle Beach

28469

Other cities in North Carolina

Wake Forest7.5/10 Concord6.8/10 Raleigh7.5/10 Charlotte7.7/10 Huntersville7.7/10 Cary7.5/10 Waxhaw7.1/10 Durham7.1/10

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.