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Claim or joinLegal name: THE MONTAGE HOMEOWNERS ASSOCIATION, INC.
HOA · Uninc, NC
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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 · 97th percentile of NC counties
26 federal disaster declarations for this county, including 11 hurricanes, most recent Jan 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
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Public record · Federal flood program records
Annual change in ZIP 28278
2020 -1.2% · 2021 +17.1% · 2022 +11.6% · 2023 +26.8% · 2024 -3.2% · 2025 -6.7%
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 Wake County: Flash flood, Aug 14, 2025.
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 Wake County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Homeowners insurance in ZIP 28278 · 2022
Average premium changed +6.8% 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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State filing
On file as THE MONTAGE HOMEOWNERS ASSOCIATION, INC.
Principal address · Legal name
Filed as shown; displayed as The Montage Homeowners Association, INC.
Inferred from the name on file
Type
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