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ENC homeowners may be at a much higher risk for flooding than federal maps show

NOAA

Homeowners across New Bern, Jacksonville, and Greenville may be at a much higher risk for flooding than federal maps show.

A UNC-Chapel Hill study warns that 43 percent of North Carolina buildings that flooded over a recent two-decade span sat entirely outside FEMA's official hazard zones.

The data strikes a major chord here in Eastern North Carolina. Heavy rains and river overflows routinely threaten property owners from the Neuse River in New Bern to the Tar River basin in Greenville. Because these hard-hit properties sit outside federal lines, owners are rarely required to carry flood insurance, creating a massive financial blind spot.

Researchers say integrating local topography and density shows that inland cities like Jacksonville are just as vulnerable to repeat storm damage as the immediate coastline.

Annette is an award-winning journalist based in Eastern North Carolina. Her career includes professional stops across the Midwest, Pacific Northwest, and Southeast, recently culminating in a 2026 Region 8 Edward R. Murrow Award for Small Market Radio Best News Series for her work on the Camp Lejeune Justice Act Series. Guided by a passion for human-interest storytelling, she focuses on narratives that touch hearts and connect communities. A mother of four and grandmother of two, Annette enjoys reading and creating epic Halloween costumes in her spare time. If you have a story idea to share, please reach out by email to westona@cravencc.edu.