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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 Moderate composite risk for this county · 83rd percentile of NC counties
21 federal disaster declarations for this county, including 9 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
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 28731
2020 -0.8% · 2021 +19.6% · 2022 +20.5% · 2023 +15.3% · 2024 +3.9% · 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 Buncombe County: Flash flood, Sep 27, 2024.
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 Buncombe 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 28731 · 2022
Average premium changed +7.4% 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 RIDGEWAY PROPERTY OWNERS ASSOCIATION
Principal address · Legal name
Filed as shown; displayed as The Ridgeway Property Owners Association
Inferred from the name on file
Type
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