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Flood insurance cost · Pender County, NC

Flood insurance cost in Pender County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,903 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,207a year

Half of insured homes paid between $892 and $1,627. That is 18% more than the North Carolina median ($1,025). Most insured homes here are rated in zone AE (53%).

$0$892 · $1,207 · $1,627$2,034
+12.4% vs Aug 31, 2025 (median $1,074)
4,903home policies in force
$1,458average cost (mean)
71%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 Pender 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		$1,516$1,183–$2,275$1,840832 (17%)+4.3%
Zone AE
High risk		$1,326$1,055–$1,786$1,6512,595 (53%)+12.9%
Zone A
High risk		$866$717–$1,105$91510 (0%)+28.5%
Zone AO
High risk, shallow		$701$594–$854$79536 (1%)+4.9%
Zone X
Moderate to low risk		$818$629–$1,129$9071,430 (29%)+2.1%

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

Type of buildingPoliciesMedianAverage
Single-family home4,631$1,208$1,456
2–4 unit building108$1,559$1,987
Manufactured (mobile) home128$1,047$1,303
Condo or apartment unit36$626$720
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.		60$1,796$3,419
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		135$3,846$4,874
5,098NFIP policies in force, any building
5,417insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pender 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 force5,1464,903−4.7%
Median annual cost$1,074$1,207+12.4%
Average annual cost$1,335$1,458+9.2%
All policies in force (any building)5,3475,098−4.7%

How many homes have flood insurance?

16.1%of all homes in Pender County have an NFIP policy
67.6%of homes in high-risk zones (special flood hazard area) have one
30,724residential buildings counted by FEMA
5,184of 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 Pender County, North Carolina have filed 5,899 flood claims. 4,188 received a payment, for a total of $118.2 million (an average of $28,215 per paid claim). The year with the most claims was 1996 (2,068 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801981: 17 claims, 11 paid, $160,924 in total1983: 28 claims1984: 10 claims1985: 39 claims, 10 paid, $192,300 in total1986: 82 claims, 61 paid, $437,838 in total1987: 83 claims, 54 paid, $126,672 in total1989: 17 claims, 10 paid, $16,318 in total19901993: 152 claims, 98 paid, $224,599 in total1996: 2,068 claims, 1,518 paid, $29,232,619 in total19961998: 372 claims, 155 paid, $713,008 in total1999: 1,214 claims, 948 paid, $14,157,752 in total199920002003: 13 claims2004: 20 claims2005: 73 claims, 29 paid, $261,568 in total2006: 46 claims, 36 paid, $375,591 in total2010: 38 claims, 30 paid, $453,691 in total20102011: 10 claims2015: 36 claims, 20 paid, $651,377 in total2016: 139 claims, 106 paid, $3,797,326 in total2018: 1,334 claims, 1,019 paid, $66,257,538 in total201820202022: 13 claims, 11 paid, $175,807 in total2024: 15 claims, 11 paid, $186,728 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241511$186,728$16,975
20221311$175,807$15,982
20181,3341,019$66,257,538$65,022
2016139106$3,797,326$35,824
20153620$651,377$32,569
201110<10––
20103830$453,691$15,123
20064636$375,591$10,433
20057329$261,568$9,020
200420<10––
200313<10––
19991,214948$14,157,752$14,934
1998372155$713,008$4,600
19962,0681,518$29,232,619$19,257
199315298$224,599$2,292
19891710$16,318$1,632
19878354$126,672$2,346
19868261$437,838$7,178
19853910$192,300$19,230
198410<10––
198328<10––
19811711$160,924$14,629

From 2016 to 2026: 1,501 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 Pender County

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

Main NFIP communities in the county

Unincorporated Pender County (2,081 home policies) · Surf City (1,765 home policies) · Topsail Beach (964 home policies) · Burgaw (70 home policies)