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See also the North Carolina Planned Community Act (NCGS § 47F).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Relatively High composite risk for this county · 96th percentile of NC counties
30 federal disaster declarations for this county, including 22 hurricanes, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · HOLLY RIDGE, TOWN OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program 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. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Most recent significant event in Onslow County: Tornado, Mar 12, 2026.
Post-storm federal aerial imagery exists for this location: Hurricane Dorian, 2019; Hurricane Florence, 2018. Pre-season baseline imagery also covers this location.
County-level weather records from the federal storm-event database, for context. Each event is logged 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.
Common Elements directory
Public record · Federal storm-event records · events since 2015
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.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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On file as Summerhouse On Everett Bay
Legal name · Type
Filed as shown; displayed as Summerhouse on Everett Bay
County parcel records, address verified
Principal address
Public record
Map location · 1 linked public record
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
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