Flood insurance cost · Forsyth County, NC

Flood insurance cost in Forsyth County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 513 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,027a year

Half of insured homes paid between $683 and $1,400. That is about the same as the North Carolina median ($1,025). Most insured homes here are rated in zone X (61%).

$0$683 · $1,027 · $1,400$1,750

+10.3% vs Aug 31, 2025 (median $931)

513home policies in force

$1,172average cost (mean)

39%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 Forsyth 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,419	$974–$1,994	$1,603	199 (39%)	+8.8%
Zone X Moderate to low risk	$828	$597–$1,198	$898	314 (61%)	+5.2%

Not shown (fewer than 10 home policies): VE, 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 Forsyth County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	480	$1,026	$1,181
Condo or apartment unit	25	$977	$858
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.	20	$3,654	$5,740
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	56	$3,456	$4,060

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

589NFIP policies in force, any building

589insured units (condo association policies count every unit)

78%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Forsyth 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, 2025	Aug 31, 2026	Change
Home policies in force	565	513	−9.2%
Median annual cost	$931	$1,027	+10.3%
Average annual cost	$1,080	$1,172	+8.5%
All policies in force (any building)	651	589	−9.5%

How many homes have flood insurance?

0.4%of all homes in Forsyth County have an NFIP policy

44.5%of homes in high-risk zones (special flood hazard area) have one

135,863residential buildings counted by FEMA

474of 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 Forsyth County, North Carolina have filed 441 flood claims. 323 received a payment, for a total of $4,699,298 (an average of $14,549 per paid claim). The year with the most claims was 2018 (39 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (16)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2020	28	22	$510,593	$23,209
2018	39	29	$722,831	$24,925
2017	14	11	$111,246	$10,113
2013	10	<10	–	–
2012	36	33	$567,367	$17,193
2010	23	17	$200,356	$11,786
2008	19	13	$309,552	$23,812
2007	19	17	$303,780	$17,869
2004	11	<10	–	–
2003	36	29	$348,993	$12,034
1999	18	13	$121,583	$9,353
1998	16	<10	–	–
1991	21	18	$79,134	$4,396
1987	16	13	$33,653	$2,589
1982	11	<10	–	–
1979	24	16	$383,712	$23,982

From 2016 to 2026: 81 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.

Main NFIP communities in the county

Winston-Salem (310 home policies) · Unincorporated Forsyth County (112 home policies) · Clemmons (45 home policies) · Kernersville (22 home policies) · Lewisville (18 home policies)