Wilmington flooding — call for ZIP 28401

What to do right now

1. If anyone is in danger, call 911.
2. Stay clear of electricity and standing water near outlets.
3. Keep children and pets away from affected areas.
4. Photograph damage for insurance before major cleanup.
5. If outdoor or storm water entered, treat it as contaminated until classified.
6. Do not walk through deep water near electrical panels.
7. Mark the water line with tape for photos before cleanup.
8. For flooding near ZIP 28401, call when a line is available for extraction guidance.

About flooding in Wilmington

Estimated hazard framing for Wilmington (28401): elevated coastal / storm-water exposure for this metro zip. Census data: ZIP 28401 has about 13,424 homes, the median one was built in 1958, 57% are single-family houses, 41% are owner-occupied. 69% of homes here were built before 1980, the era of galvanized supply pipe and cast-iron drains — both corrode from the inside, so pinhole leaks and slow drain seepage are common. Carolinas see tropical remnants and heavy convective rain that can overwhelm drainage and basements. This page is for homeowners in Wilmington, North Carolina — not a contractor listing, and

Local conditions

Flood insurance claims in ZIP 28401

FEMA's National Flood Insurance Program records 172 flood claims from ZIP 28401 between 1980 and 2021 — 66 of them in the last 10 years. 119 were paid, $4.0M in total, with a median payout of $14,233.

• Hurricane Florence (2018) — 53 claims
• Hurricane Fran (1996) — 25 claims
• Hurricane Floyd (1999) — 18 claims

Rising or surface water is excluded from standard homeowners policies — it needs NFIP or private flood coverage. A burst pipe or appliance leak is usually a homeowners claim instead, so photograph the source before cleanup.

Source: OpenFEMA NFIP redacted claims, data as of June 1, 2026. Counts are claims reported under this ZIP, not individual homes.

Common causes in Wilmington

Knowing the likely source in Wilmington helps you shut the right valve and brief a contractor faster.

• Supply-line failures (washer hoses, fridge lines, angle stops under sinks)
• Corroded galvanized or cast-iron lines — 69% of homes here predate 1980
• Storm-driven intrusion, roof leaks after wind, or window well overflow
• Slab or underground leak symptoms (warm floors, unexplained high bills)
• Appliance faults (dishwasher, ice maker, HVAC condensate)

Cost expectations in Wilmington

Homeowners in Wilmington typically see wide ranges — small leaks vs sewage/multi-room are different leagues. Numbers below are orientation, not bids.

• Small contained leaks: often lower four figures
• Room-level drying in denser housing: commonly mid four to low five figures
• Storm-driven or multi-room events: can run much higher, especially with contaminated water
• For scale: the median owner-occupied home in ZIP 28401 is valued at $298,500 (Census), so a five-figure drying job is a real share of the home's value — worth documenting carefully for your insurer
• Flood-insurance payouts in this ZIP: median $14,233 across 119 paid NFIP claims (FEMA) — flood policies pay for outdoor water that homeowners policies exclude

For your insurer

• Photos or short video before major cleanup
• When the water started and what you shut off
• Receipts for emergency purchases
• Contractor assessment when available
• Do not discard large damaged items until your insurer says it is OK when possible.

FAQs — flooding in Wilmington

Nearby areas in North Carolina

• GreensboroZIP 27401
• CharlotteZIP 28202
• FayettevilleZIP 28301
• RaleighZIP 27601