🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 28424

Brunswick, North Carolina

7.3out of 10
High Risk

Risk Summary for ZIP 28424

ZIP 28424 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Hurricane Lightning

All 18 Hazard Scores

Strong Wind
9.9
Hurricane
9.8
Lightning
9.5
Coastal Flooding
8.9
Extreme Heat
8.8
Winter Weather
8.6
Earthquake
8.5
Tornado
8.5
Ice Storm
8.4
Wildfire
8.0
Cold Wave
6.8
Drought
5.4
Tsunami
5.4
Hail
5.2
Volcanic Activity
5.1
Avalanche
4.5
Landslide
2.5
Riverine Flooding
1.0

How it compares

ZIP 28424
7.3
North Carolina avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 28424, North Carolina

ZIP 28424 in Brunswick sits near the Atlantic Coast of the southeastern United States. Its humid subtropical climate produces hot, humid summers and four distinct seasons, and notably a hurricane and tropical storm season affecting the coast. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 28424 carries an overall risk score of 7.3/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to hurricane and lightning.

Within North Carolina, ZIP 28424's risk is, slightly above the 6.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of North Carolina identifies wind as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 28424 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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 28424: Strong Wind preparedness

  • Confirm your policy covers wind damage and keep an inventory of property for claims.
  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.

Risk for the surrounding area

Local Factors for ZIP 28424

These city-level factors differentiate ZIP 28424 from other communities in North Carolina County and provide geographic context for its hazard exposure.

Population

90

Rural

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 34.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.0/10

Coordinates

34.2903Β° N, 78.6997Β° 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 28424

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.