Natural Disaster Risk — ZIP Code 28509

Natural Hazard Profile: ZIP 28509, North Carolina

ZIP 28509 covers part of the Alliance area, along the mid-Atlantic coast. The surrounding region experiences hot, humid summers and four distinct seasons, with a hurricane and tropical storm season affecting the coast shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 28509's composite natural disaster risk at 5.3 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for coastal flood and wildfire risk in their preparedness planning.

ZIP 28509's risk score, slightly below the 6.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hurricane, coastal flood, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 28509's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.