Flood Zone Wiring
When water reaches the panel,
you're starting over.
Most of Carolina Beach sits in a FEMA flood zone. That means your electrical panel needs to be mounted above the base flood elevation — and on a lot of older homes, it isn't. I've opened panels after flood events where the bus bar was still wet, the breakers were full of silt, and the whole thing had to come out. Once saltwater hits the panel internals, it's not a cleaning job. It's a panel swap.
Exterior disconnects are another conversation I have with island homeowners. If your panel is on the ground floor and water is rising, you need a way to kill power to the house from a safe location. A properly placed exterior disconnect lets you — or the fire department — shut everything down without wading through floodwater to reach a panel. It's code in some situations and smart in all of them on this island.
After Florence in 2018, I saw Carolina Beach homes that lost power for two and three weeks. Service masts ripped off by falling trees, meter bases torn off the side of the house, weatherheads gone. Duke Energy won't restore your service until the homeowner's side passes inspection. That means you need an electrician to replace the mast, the weatherhead, and sometimes the meter base before Duke will even schedule the reconnect. The homeowners who had that work done in the first 48 hours got power back first. The ones who waited got in line behind everyone else.