Natural Disaster Risk — ZIP Code 28396
Wagram, North Carolina
Risk Summary for ZIP 28396
ZIP 28396 scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: ZIP 28396, North Carolina
Located near the Atlantic Coast of the southeastern United States, ZIP 28396 serves the Wagram community. The humid subtropical climate of this part of North Carolina — bringing hot, humid summers and four distinct seasons — directly shapes the hazard exposure for properties in this postal area.
ZIP 28396's overall natural disaster risk is rated 6.5/10 (High) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include earthquake and wildfire.
Relative to other U.S. communities, ZIP 28396's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.2/10 state average. The hazard distribution here is led by hurricane and earthquake, as measured by FEMA across North Carolina. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 28396 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for ZIP 28396: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Risk for the surrounding area
Local Factors for ZIP 28396
These city-level factors differentiate ZIP 28396 from other communities in North Carolina County and provide geographic context for its hazard exposure.
Population
2,666
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 34.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 8.4/10
Coordinates
34.9395° N, 79.4097° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 28396
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in North Carolina
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.