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Browse open RFPsPublic record, cross-referenced across state, county, and federal filings. Not legal advice. Consult association counsel for governance questions.
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Or start with what happened
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
Very High composite risk for this neighborhood area · 99th percentile of NC neighborhood areas
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 · NORTH TOPSAIL BEACH, 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.
Public record · Federal flood program records
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 28460
2020 +4.1% · 2021 +22.4% · 2022 +25.5% · 2023 +14.9% · 2024 +9.5% · 2025 -0.6%
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.
23% of nearby housing sits in 5+ unit buildings, most of it built in the 1980s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
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.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 28460 · 2022
Average premium changed +3.6% 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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County parcel records
On file as Topsail Dunes Homeowners Association
Legal name
County parcel records, address verified
Principal address
Cross-referenced public records
Type
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Names are shown in title case for readability. The string above is the name on file, unchanged.
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