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Common Elements
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Reserves
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Data sourced from North Carolina Secretary of State filings, county public records, FEMA, and the U.S. Census Bureau. Not legal advice. Consult association counsel for governance questions.
See also the North Carolina Planned Community Act (NCGS § 47F).
Participates in the National Flood Insurance Program · SWANSBORO, TOWN OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Source: FEMA NFIP community-status records
Annual change in ZIP 28445
2020 +5.7% · 2021 +14.8% · 2022 +29.9% · 2023 +3.8% · 2024 +12.0% · 2025 +2.2%
Area price appreciation for context, not an appraisal of this association or any unit. FHFA labels this index developmental: it is built from Fannie Mae and Freddie Mac mortgage data, and small housing markets are suppressed.
Source: FHFA All-Transactions House Price Index · as of Mar 2026
Most recent significant event in Onslow County: Tornado, Mar 12, 2026.
County-level weather records from the NOAA NCEI Storm Events Database, for context. NOAA logs each event for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Onslow County as a whole, never this association's own loss history.
Source: NOAA NCEI Storm Events Database · events since 2015
Source: Common Elements directory
Homeowners insurance in ZIP 28445 · 2022
Average premium changed +4.3% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Source: U.S. Treasury Federal Insurance Office (FIO) homeowners filings, 2018–2022