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Flood insurance cost · Currituck County, NC

Flood insurance cost in Currituck County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,005 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,037a year

Half of insured homes paid between $817 and $1,332. That is about the same as the North Carolina median ($1,025). Most insured homes here are rated in zone X (68%).

$0$817 · $1,037 · $1,332$1,665
+5.5% vs Aug 31, 2025 (median $983)
3,005home policies in force
$1,108average cost (mean)
32%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 Currituck 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		$984$814–$1,245$1,12281 (3%)−0.1%
Zone AE
High risk		$1,087$836–$1,396$1,189870 (29%)+9.0%
Zone X
Moderate to low risk		$1,015$810–$1,308$1,0732,054 (68%)+4.0%

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 Currituck County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,931$1,037$1,107
Manufactured (mobile) home63$1,023$1,186
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		111$1,625$1,996

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

3,124NFIP policies in force, any building
3,175insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Currituck 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 force3,1693,005−5.2%
Median annual cost$983$1,037+5.5%
Average annual cost$1,039$1,108+6.6%
All policies in force (any building)3,2833,124−4.8%

How many homes have flood insurance?

19.2%of all homes in Currituck County have an NFIP policy
59.3%of homes in high-risk zones (special flood hazard area) have one
15,806residential buildings counted by FEMA
1,618of 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 Currituck County, North Carolina have filed 2,006 flood claims. 1,448 received a payment, for a total of $21.9 million (an average of $15,135 per paid claim). The year with the most claims was 2016 (537 claims). Amounts are in dollars of the time, not adjusted for inflation.

0200400600800198019901993: 34 claims, 24 paid, $169,059 in total1996: 29 claims, 22 paid, $145,266 in total1998: 31 claims, 21 paid, $110,776 in total1999: 124 claims, 57 paid, $340,484 in total20002003: 139 claims, 41 paid, $279,988 in total2004: 16 claims, 14 paid, $105,729 in total2006: 384 claims, 349 paid, $6,272,514 in total20062009: 60 claims, 34 paid, $410,014 in total2010: 63 claims, 48 paid, $588,986 in total20102011: 197 claims, 142 paid, $2,560,918 in total20112012: 17 claims2015: 67 claims, 49 paid, $759,445 in total2016: 537 claims, 416 paid, $6,726,369 in total20162018: 119 claims, 88 paid, $1,374,142 in total2019: 63 claims, 54 paid, $708,602 in total2020: 10 claims20202022: 14 claims2024: 35 claims, 31 paid, $734,302 in total
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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20243531$734,302$23,687
202214<10––
202010<10––
20196354$708,602$13,122
201811988$1,374,142$15,615
2016537416$6,726,369$16,169
20156749$759,445$15,499
201217<10––
2011197142$2,560,918$18,035
20106348$588,986$12,271
20096034$410,014$12,059
2006384349$6,272,514$17,973
20041614$105,729$7,552
200313941$279,988$6,829
199912457$340,484$5,973
19983121$110,776$5,275
19962922$145,266$6,603
19933424$169,059$7,044

From 2016 to 2026: 778 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 Currituck County

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

Main NFIP communities in the county

Unincorporated Currituck County (3,004 home policies)