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Flood insurance cost · Guilford County, NC

Flood insurance cost in Guilford County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 670 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,010a year

Half of insured homes paid between $732 and $1,305. That is about the same as the North Carolina median ($1,025). Most insured homes here are rated in zone X (54%).

$0$732 · $1,010 · $1,305$1,631
+8.5% vs Aug 31, 2025 (median $931)
670home policies in force
$1,164average cost (mean)
46%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 Guilford 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 AE
High risk		$1,233$929–$1,709$1,497285 (43%)+4.4%
Zone A
High risk		$978$862–$1,135$1,02524 (4%)+16.6%
Zone X
Moderate to low risk		$844$624–$1,137$909361 (54%)+5.0%

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

Type of buildingPoliciesMedianAverage
Single-family home621$1,014$1,165
2–4 unit building20$1,236$1,739
Condo or apartment unit27$689$756
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.		32$2,564$3,570
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		136$2,710$3,250

Not shown (fewer than 10 policies): manufactured (mobile) home.

838NFIP policies in force, any building
908insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Guilford 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 force721670−7.1%
Median annual cost$931$1,010+8.5%
Average annual cost$1,099$1,164+5.9%
All policies in force (any building)878838−4.6%

How many homes have flood insurance?

0.4%of all homes in Guilford County have an NFIP policy
40.3%of homes in high-risk zones (special flood hazard area) have one
170,796residential buildings counted by FEMA
843of 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 Guilford County, North Carolina have filed 682 flood claims. 515 received a payment, for a total of $9,380,002 (an average of $18,214 per paid claim). The year with the most claims was 1979 (77 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 10 claims, 10 paid, $64,225 in total1979: 77 claims, 70 paid, $732,894 in total197919801981: 11 claims1982: 25 claims, 16 paid, $94,113 in total1984: 16 claims, 13 paid, $63,711 in total1987: 10 claims1990: 16 claims, 13 paid, $64,152 in total19901993: 14 claims, 12 paid, $114,248 in total1996: 45 claims, 35 paid, $541,854 in total1998: 15 claims, 10 paid, $57,923 in total2000: 62 claims, 41 paid, $1,380,340 in total200020002003: 61 claims, 48 paid, $763,443 in total20032004: 22 claims, 20 paid, $256,975 in total2008: 17 claims, 12 paid, $135,539 in total2009: 10 claims20102018: 61 claims, 44 paid, $1,654,501 in total2019: 57 claims, 44 paid, $1,449,995 in total2020: 12 claims, 10 paid, $52,737 in total20202024: 26 claims, 17 paid, $659,754 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242617$659,754$38,809
20201210$52,737$5,274
20195744$1,449,995$32,954
20186144$1,654,501$37,602
200910<10––
20081712$135,539$11,295
20042220$256,975$12,849
20036148$763,443$15,905
20006241$1,380,340$33,667
19981510$57,923$5,792
19964535$541,854$15,482
19931412$114,248$9,521
19901613$64,152$4,935
198710<10––
19841613$63,711$4,901
19822516$94,113$5,882
198111<10––
19797770$732,894$10,470
19781010$64,225$6,422

From 2016 to 2026: 156 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

Greensboro (365 home policies) · High Point (166 home policies) · Unincorporated Guilford County (80 home policies) · Summerfield (16 home policies) · Jamestown (12 home policies)