Flood insurance cost · Robeson County, NC

Flood insurance cost in Robeson County, North Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 946 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $820 and $1,330. That is 6% more than the North Carolina median ($1,025). Most insured homes here are rated in zone AE (54%).

$0$820 · $1,082 · $1,330$1,662

+10.6% vs Aug 31, 2025 (median $978)

946home policies in force

$1,136average cost (mean)

55%of insured homes in high-risk zones (A, V)

$170,000median 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 Robeson 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	$1,142	$854–$1,531	$1,250	511 (54%)	+6.7%
Zone AH High risk, shallow	$1,079	$696–$1,213	$1,150	14 (1%)	+12.4%
Zone X Moderate to low risk	$1,002	$758–$1,233	$997	421 (45%)	+8.0%

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

Type of building	Policies	Median	Average
Single-family home	762	$1,036	$1,103
2–4 unit building	101	$1,313	$1,435
Manufactured (mobile) home	55	$1,027	$1,204
Condo or apartment unit	28	$828	$818
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.	37	$2,007	$2,581
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	165	$1,981	$2,637

1,148NFIP policies in force, any building

1,148insured units (condo association policies count every unit)

68%of home policies also cover contents

$60,000median contents coverage, when bought

One year on: Robeson 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	1,028	946	−8.0%
Median annual cost	$978	$1,082	+10.6%
Average annual cost	$1,059	$1,136	+7.3%
All policies in force (any building)	1,226	1,148	−6.4%

How many homes have flood insurance?

2.6%of all homes in Robeson County have an NFIP policy

24.3%of homes in high-risk zones (special flood hazard area) have one

39,057residential buildings counted by FEMA

2,312of 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 Robeson County, North Carolina have filed 1,431 flood claims. 1,250 received a payment, for a total of $54.6 million (an average of $43,689 per paid claim). The year with the most claims was 2018 (759 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 (7)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	55	49	$1,218,343	$24,864
2020	22	17	$501,225	$29,484
2018	759	693	$31,343,869	$45,229
2016	416	380	$20,685,984	$54,437
2004	19	14	$158,420	$11,316
1999	73	53	$351,574	$6,633
1998	15	10	$27,233	$2,723

From 2016 to 2026: 1,252 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 Robeson County

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

ZIP 28358 · Lumbertonmedian $1,143 · 577 homes

Main NFIP communities in the county

Lumberton (573 home policies) · Unincorporated Robeson County (329 home policies) · Red Springs (19 home policies) · Pembroke (12 home policies)