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Flood insurance cost · Beaufort County, NC

Flood insurance cost in Beaufort County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,890 home policies in force on August 31, 2026.

Beaufort County, North CarolinaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,055a year

Half of insured homes paid between $793 and $1,346. That is 3% more than the North Carolina median ($1,025). Most insured homes here are rated in zone AE (71%).

$0$793 · $1,055 · $1,346$1,682
+13.3% vs Aug 31, 2025 (median $931)
2,890home policies in force
$1,137average cost (mean)
72%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Beaufort County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,343$972–$1,721$1,45512 (0%)+11.8%
Zone AE
High risk		$1,055$808–$1,390$1,1742,065 (71%)+11.6%
Zone X
Moderate to low risk		$1,053$720–$1,261$1,039811 (28%)+13.5%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Beaufort County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,608$1,079$1,163
2–4 unit building145$650$780
Manufactured (mobile) home125$965$1,055
Condo or apartment unit12$704$796
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		36$1,772$2,068
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		216$1,873$2,269
3,142NFIP policies in force, any building
3,208insured units (condo association policies count every unit)
66%of home policies also cover contents
$56,000median contents coverage, when bought

One year on: Beaufort County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force2,9892,890−3.3%
Median annual cost$931$1,055+13.3%
Average annual cost$1,020$1,137+11.5%
All policies in force (any building)3,2503,142−3.3%

How many homes have flood insurance?

13.5%of all homes in Beaufort County have an NFIP policy
55.6%of homes in high-risk zones (special flood hazard area) have one
21,664residential buildings counted by FEMA
3,774of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Beaufort County, North Carolina have filed 9,464 flood claims. 8,123 received a payment, for a total of $131.5 million (an average of $16,184 per paid claim). The year with the most claims was 1999 (2,500 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801985: 33 claims, 26 paid, $169,781 in total1989: 11 claims19901996: 1,500 claims, 1,323 paid, $17,508,323 in total19961998: 1,142 claims, 1,022 paid, $9,209,257 in total1999: 2,500 claims, 2,024 paid, $27,136,361 in total199920002001: 18 claims, 11 paid, $49,768 in total2003: 686 claims, 616 paid, $5,315,710 in total2005: 74 claims, 64 paid, $985,841 in total2006: 52 claims, 40 paid, $398,914 in total2008: 16 claims, 10 paid, $62,452 in total2009: 10 claims2010: 137 claims, 101 paid, $1,419,151 in total20102011: 1,684 claims, 1,477 paid, $40,923,207 in total20112014: 18 claims, 13 paid, $96,448 in total2015: 28 claims, 16 paid, $133,261 in total2016: 155 claims, 127 paid, $2,448,656 in total2018: 1,177 claims, 1,080 paid, $23,912,752 in total2019: 10 claims2020: 17 claims, 16 paid, $129,378 in total20202022: 10 claims2023: 107 claims, 92 paid, $1,012,329 in total2024: 12 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
202310792$1,012,329$11,004
202210<10––
20201716$129,378$8,086
201910<10––
20181,1771,080$23,912,752$22,141
2016155127$2,448,656$19,281
20152816$133,261$8,329
20141813$96,448$7,419
20111,6841,477$40,923,207$27,707
2010137101$1,419,151$14,051
200910<10––
20081610$62,452$6,245
20065240$398,914$9,973
20057464$985,841$15,404
2003686616$5,315,710$8,629
20011811$49,768$4,524
19992,5002,024$27,136,361$13,407
19981,1421,022$9,209,257$9,011
19961,5001,323$17,508,323$13,234
198911<10––
19853326$169,781$6,530

From 2016 to 2026: 1,488 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Beaufort County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Beaufort County (1,772 home policies) · Washington (626 home policies) · Belhaven (295 home policies) · Washington Park (109 home policies) · Bath (56 home policies) · Aurora (23 home policies)