Does Princess Place flood?
Princess Place, Wilmington, NC · ZIP code 28405: the ZIP code on 58 of the 59 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Princess Place have filed flood claims. About 16% of Princess Place’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 59 claims from the Census block groups that cover Princess Place, from 1980 through 2018. 51 of them received a payment, totaling $736,982 (not adjusted for inflation). The busiest years were 2018 (26 claims), 1999 (16 claims), 2005 (9 claims).
What this page counts as Princess Place
We could not find an openly licensed official boundary for Princess Place, so this page uses a census-based area. For this page, Princess Place means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Princess Place (feature 1005114) and inside the Wilmington city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Princess Place. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Princess Place
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Princess Place
The named streets in Princess Place, longest first, with how much of each street’s length inside Princess Place lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Princess Place; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 22 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Martin Luther King Jr Pkwy | 1.4 mi | 24% | X (unshaded, minimal) (64%) |
| N 23rd St | 1.4 mi | 1.8% | X (unshaded, minimal) (98%) |
| Princess Place Dr | 1.2 mi | 9.4% | X (unshaded, minimal) (89%) |
| Shirley Rd | 4,030 ft | 16% | X (unshaded, minimal) (82%) |
| Chestnut St | 3,980 ft | 20% | X (unshaded, minimal) (78%) |
| Market St | 3,660 ft | 0.5% | X (unshaded, minimal) (89%) |
| N 26th St | 3,510 ft | 0.0% | X (unshaded, minimal) (100%) |
| Kenwood Ave | 3,300 ft | 0.0% | X (unshaded, minimal) (100%) |
| Plaza Dr | 3,100 ft | 0.0% | X (unshaded, minimal) (99%) |
| N 21st St | 3,050 ft | 56% | AE (56%) |
| N 30th St | 3,040 ft | 0.0% | X (unshaded, minimal) (100%) |
| N 25th St | 2,780 ft | 0.0% | X (unshaded, minimal) (100%) |
| Klein Rd | 2,700 ft | 16% | X (unshaded, minimal) (69%) |
| Emory St | 2,210 ft | 0.0% | X (unshaded, minimal) (100%) |
| Smith Creek Blvd | 2,090 ft | 18% | X (unshaded, minimal) (80%) |
| Kornegay Ave | 2,070 ft | 0.0% | X (unshaded, minimal) (100%) |
| Lyndon Ave | 2,030 ft | 0.0% | X (unshaded, minimal) (100%) |
| Maides Ave | 1,940 ft | 0.0% | X (unshaded, minimal) (100%) |
| N 29th St | 1,610 ft | 0.0% | X (unshaded, minimal) (100%) |
| Brandon Rd | 1,600 ft | 1.6% | X (unshaded, minimal) (94%) |
| Hurst St | 1,540 ft | 0.0% | X (unshaded, minimal) (100%) |
| Haywood Dr | 1,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Turners Run | 1,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Henry St | 1,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Willow St | 1,440 ft | 0.0% | X (unshaded, minimal) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 6, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Princess Place
Share of Princess Place’s mapped area (about 4.284 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 9 to 9 feet. Effective date of the FIRM panel(s) covering it (3720312700K, 3720312800K, 3720313800K): August 28, 2018.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 82% |
| AE | 16% |
| X (shaded, 0.2% annual chance) | 2.7% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Princess Place. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 2 | $62,977 |
| 1990s | 19 | $161,550 |
| 2000s | 9 | $59,497 |
| 2010s | 29 | $452,959 |
By year of loss
Named flood events with the most claims
- Hurricane Florence: 25 claims
- Hurricane Floyd: 16 claims
- Hurricane Fran: 2 claims
- Hurricane Matthew: 2 claims
- Hurricane Ophelia: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 47
- X/B/C (moderate or minimal): 12
How much is flood insurance in Princess Place?
The typical National Flood Insurance Program policy on single-family homes in Princess Place costs $1,265 a year: the median of 57 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,004 and $1,606. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 6, 2026.
Why home insurance costs what it does in Princess Place
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Princess Place, within 10 km of it.
- ZIP code 28405: the median National Flood Insurance Program policy cost for single-family homes was $964 a year, the middle of 902 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $729 and $1,208. These policies are priced under Risk Rating 2.0.
- ZIP code 28405: NFIP records list 378 flood claims with a loss year from 1980 through 2024. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Wilmington, NC a Risk to Homes national percentile rank of 0.800, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Princess Place alone. The summary file is dated April 15, 2026.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Princess Place?
ZIP code 28405: the median National Flood Insurance Program policy cost for single-family homes was $964 a year, the middle of 902 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $729 and $1,208. These policies are priced under Risk Rating 2.0. ZIP code 28405: NFIP records list 378 flood claims with a loss year from 1980 through 2024. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Princess Place?
USDA Forest Service Wildfire Risk to Communities gives Wilmington, NC a Risk to Homes national percentile rank of 0.800, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Princess Place alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Princess Place?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Before you rent or buy in Princess Place
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Princess Place
Flood maps are only one part of choosing a neighborhood. To compare Princess Place with other Wilmington neighborhoods on more than flooding, see Wilmington on StrollPlace.
Buyer and renter FAQ
Does Princess Place flood?
Yes. Insured properties in and around Princess Place have filed flood claims. About 16% of Princess Place’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 59 claims from the Census block groups that cover Princess Place, from 1980 through 2018. 51 of them received a payment, totaling $736,982 (not adjusted for inflation). The busiest years were 2018 (26 claims), 1999 (16 claims), 2005 (9 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Princess Place in a flood zone?
About 16% of Princess Place’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 82%; AE 16%; X (shaded, 0.2% annual chance) 2.7%. The FIRM panel(s) covering it took effect August 28, 2018.
Which streets in Princess Place are in a high-risk flood zone?
Most of the length of N 21st St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of N 23rd St, Princess Place Dr, Market St, N 26th St, Kenwood Ave, Plaza Dr, N 30th St and N 25th St does. Zones can change along a street, so check the exact address.
What ZIP code is Princess Place in?
Princess Place is in Wilmington, NC. ZIP code 28405: the ZIP code on 58 of the 59 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Princess Place?
The typical NFIP flood insurance policy on single-family homes in Princess Place cost $1,265 a year: the median of 57 policies that started between September 1, 2025 and August 31, 2026. Half cost between $1,004 and $1,606. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Carolina Place
- Does Forest Hills flood?
- Barclay Hills
- Love Grove
- Does Devon Park flood?
- Westbrook-Ardmore
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 6, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for New Hanover County (county code 37129), dataset as of September 8, 2026, retrieved November 6, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 371290103002, 371290103003, 371290103004. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 6, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 6, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 6, 2026 (flood zones). Page last updated November 6, 2026.