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Topsail Beach homeowners facing flood insurance hike


TOPSAIL BEACH, NC (AP) -- More than 17,000 North Carolina property owners with federal flood insurance face sharp premium increases as the government works to get the flood program back in the black.

And it's causing worry in the small beach town of Topsail Beach between Wilmington and Jacksonville.

In a town with a year-round population of 368, an AP analysis shows 289 property owners face rate increases that could amount to thousands.

Mayor Howard Braxton says there will be hurt for people who have rented their modest beach bungalows to vacationers for years.

The mayor says the increases will be more than some mortgages and people who wanted to retire on the island will be forced either to sell or to continue renting their property.

(Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)

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Flood Ins

There is just something about a person living at the beach that brings out the mean in other people.
We just moved here from rural property in Rougemont NC. Our previous property was heavy in trees..a lot of those were damaged by a hurricane several years back. Not once did I hear how I got just what I deserve having trees. But move to the beach and its an entirely different mentality..some of you nice folks should read up before you comment and some of you I dont think you have a clue about this discussion and you should refrain from commenting.

Paulette, they're just jealous.

I've worked all of my life to be able to live here at the beach and it is by far the most satisfying environment I've ever lived in. Most of these not-so-nice commenters fully realize that, but can't muster up just how to be able to pull it off for themselves, so they dwell in bitterness and spew it here as you see.

A perfect example is a frequent poster here with the handle of "guest reply redux". He used to live here but moved away to that arid, baking sandpit in Nevada called Las Vegas. He continually posts here with his incessantly bashing, defiling and belittling remarks about the place and the people that he used to call home.

Some people just have sulfuric acid for blood...

NC Flood Ins

We moved from coastal NC 1 mile from and wind in NC ridiculous. Moved to FL...1 block from waterway and insurance 1/3 what cost in NC.


If you build on the beach you ask to get flooded. It is a known fact the waterline is an ever changing monster that humans have tried for years to tame. If you are silly enough to build full well knowing the possibility of being underwater, you need to pay for that choice.

Now if you didn't maintain the trees and cut down the dead, dying and those in close proximity of structures you also got what you deserved.

It's not quite that simple guesty.

The entire county of New Hanover is considered a flood zone, be it at the beach or as far west as you can go, so everyone in NHC has the possibility of being under water. There are just some areas that are considered higher risk than others. Kure Beach just happens to have the highest elevation in New Hanover county. 'Maginatt? Really "silly", huh?

Something else to remember when it comes to "taming". During hurricane Floyd, many more homes were lost to flooding due to the Cape Fear River spilling over its banks than beach front or Island homes.

And believe me! When it comes to "paying", you can betchur bippie we do! Our premiums are at a minimum, triple what one would pay inland. Just one of the costs of being able to live here.

insurance scam

I'm a half owner of property here. We never could afford insurance and most likely we will never be able to afford insurance!!!!

Flood Insurance

I think if you are going to live on an island you have to take some risk on yourself. I understand having flood insurance, but once a place is destroyed, you take the money and no one can build on that piece of property again or if you do, you can't get flood insurance again.

flood ins.

It is my understanding that if you do not have a mortgage that you do not have to purchase flood insurance?

if this is the case then this expense is optional. If the folks that own these places are renting them out for some modest income (according to the mayor's comment's) Why would they qualify for federal flood insurance in the first place? that is the tax payers that live nowhere near a beach supporting their business through tax dollars.

Flood Insurance

First, taxpayers do not pay for the flood insurance. It is just a lesser expensive rate. However, a small house like mine pays over $2000 per year just for flood. This is in addition to homeowners and wind insurance.
Second, FEMA only helps with primary residences. NOT a dime for a second home or a business!!! FEMA is behind the wanted high rate hike that was sought. Businesses cannot afford over $60,000 per year just for flood insurance. There would be no businesses at all at the beaches in this country, period.
Correct, if no mortgage then you do not have to have flood insurance.
Topsail Island remains one of the cheapest places for families to go on vacation. We are no where close to what it cost at Wrightsville Beach in Wilmington!!

quite correct

in some respects.

The Mayor must be a man of means if he considers the in-season rental fee modest.

And if they have no mortgage, flood insurance would be an option.

Sadly, many of the properties were sold before the real estate bust. Ergo, big price and likely large mortgage.

I agree with you, taxpayers should not subsidize flood insurance. Taxpayers should not be supporting free cell phones, Section 8 housing, Medicaid, or any of the other giveaway programs.


We should drug test flood insurance subsidy recipients.
Anyone testing positive gets kicked off the dole......

Of course if its like the other states that have tried this we'll see what a colossal waste of money it is.

sand bar

It has been a long time since I was on this Island. It has been my experience that this is nothing but a sand bar and it is not very smart to build on sand bars. Just my opinion.

Sure, and we all know what "opinions " are like, right?

But, you're welcome to have yours. The "sandbar" I live on is very old. In fact, I've found a perfectly intact arrowhead that has been estimated at over 9,000 years old. Proof that my sandbar has been here for a very, very long time!

The natural movement of the

The natural movement of the barrier islands is well documented, taking arrowheads with them. Unless your house is made of flint its not going to survive the process.

Dug up any Chunks of old

Dug up any Chunks of old home foundations yet?
How about the age of the sea shells that have washed up on shore also Heimie?
There go your "Just Facts"...out to sea again :-()
You're like a Pinball Machine ;-0