Water Risk Profile — ZIP 28305
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$2,200–$12,000
Avg Response
40 min
NFIP
State participates
Local Climate & Risk Factors
Fayetteville sits on the Cape Fear River and was one of the most severely flooded inland cities during Hurricane Floyd (1999) and Hurricane Matthew (2016) — entire neighborhoods were under 8–12 feet of water for days. Fort Bragg (now Fort Liberty), the largest US military installation by population, drives significant housing demand in the area. The Cape Fear River and its tributaries create an extensive floodplain across Cumberland County. Proximity to the coast (85 miles) means Fayetteville receives the full intensity of weakened but still powerful hurricane rainfall.
Flood-prone areas: Haymount and areas near the Cape Fear River are highest flood risk. Hope Mills and Ramsey Street corridor are higher ground. Bordeaux and Villa Cielo have middle-age housing stock with mixed plumbing conditions.
Water Category Cost Table — Fayetteville, NC
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $3.74–$9.69 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $9.69–$11.73 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $13.77–$17.6 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Fayetteville market (4.4–16/sq ft range).