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Flood insurance cost · Horry County, SC

Flood insurance cost in Horry County, South Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 19,010 home policies in force on August 31, 2026.

Horry County, South CarolinaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$642a year

Half of insured homes paid between $506 and $993. That is 32% less than the South Carolina median ($949). Most insured homes here are rated in zone X (73%).

$0$506 · $642 · $993$1,241
+2.6% vs Aug 31, 2025 (median $626)
19,010home policies in force
$935average cost (mean)
27%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 Horry 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		$2,312$1,251–$4,374$3,045180 (1%)−2.6%
Zone AE
High risk		$1,176$847–$1,772$1,6694,927 (26%)+12.0%
Zone A
High risk		$878$546–$1,306$99518 (0%)+3.1%
Zone X
Moderate to low risk		$569$477–$723$64713,885 (73%)+1.8%

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

Type of buildingPoliciesMedianAverage
Single-family home17,242$643$932
2–4 unit building230$1,177$2,196
Manufactured (mobile) home503$853$1,229
Condo or apartment unit1,035$485$574
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.		1,213$3,337$10,084
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		719$1,891$3,823
20,942NFIP policies in force, any building
52,095insured units (condo association policies count every unit)
94%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Horry 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 force20,79219,010−8.6%
Median annual cost$626$642+2.6%
Average annual cost$877$935+6.6%
All policies in force (any building)22,77920,942−8.1%

How many homes have flood insurance?

14.6%of all homes in Horry County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
139,337residential buildings counted by FEMA
0of 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 Horry County, South Carolina have filed 12,541 flood claims. 8,825 received a payment, for a total of $338.3 million (an average of $38,334 per paid claim). The year with the most claims was 1989 (3,287 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 174 claims, 97 paid, $241,944 in total19801981: 31 claims, 21 paid, $53,224 in total1983: 66 claims, 52 paid, $355,033 in total1984: 17 claims1985: 45 claims, 26 paid, $112,576 in total1986: 123 claims, 79 paid, $759,573 in total1987: 716 claims, 550 paid, $2,678,975 in total1989: 3,287 claims, 2,614 paid, $118,195,411 in total198919901991: 16 claims1992: 38 claims, 24 paid, $174,756 in total1993: 162 claims, 111 paid, $850,323 in total1994: 92 claims, 73 paid, $629,246 in total1995: 25 claims, 13 paid, $89,565 in total1996: 794 claims, 216 paid, $2,717,334 in total1997: 12 claims1998: 630 claims, 141 paid, $1,571,084 in total1999: 1,341 claims, 848 paid, $19,981,520 in total19992000: 74 claims, 57 paid, $555,854 in total20002001: 86 claims, 72 paid, $836,746 in total2003: 35 claims, 20 paid, $300,726 in total2004: 51 claims, 29 paid, $291,873 in total2005: 24 claims, 12 paid, $141,873 in total2008: 27 claims, 11 paid, $106,646 in total2010: 31 claims, 15 paid, $192,111 in total20102012: 10 claims2013: 36 claims, 23 paid, $407,053 in total2015: 821 claims, 613 paid, $13,702,797 in total2016: 1,443 claims, 1,088 paid, $40,606,494 in total20162017: 19 claims, 11 paid, $288,266 in total2018: 1,039 claims, 940 paid, $89,717,590 in total2019: 52 claims, 36 paid, $732,194 in total2020: 360 claims, 309 paid, $7,390,636 in total20202021: 107 claims, 83 paid, $3,149,064 in total2022: 545 claims, 472 paid, $26,331,098 in total2023: 95 claims, 82 paid, $3,352,777 in total2024: 45 claims, 32 paid, $948,687 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 (36)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244532$948,687$29,646
20239582$3,352,777$40,888
2022545472$26,331,098$55,786
202110783$3,149,064$37,941
2020360309$7,390,636$23,918
20195236$732,194$20,339
20181,039940$89,717,590$95,444
20171911$288,266$26,206
20161,4431,088$40,606,494$37,322
2015821613$13,702,797$22,354
20133623$407,053$17,698
201210<10––
20103115$192,111$12,807
20082711$106,646$9,695
20052412$141,873$11,823
20045129$291,873$10,065
20033520$300,726$15,036
20018672$836,746$11,621
20007457$555,854$9,752
19991,341848$19,981,520$23,563
1998630141$1,571,084$11,142
199712<10––
1996794216$2,717,334$12,580
19952513$89,565$6,890
19949273$629,246$8,620
1993162111$850,323$7,661
19923824$174,756$7,282
199116<10––
19893,2872,614$118,195,411$45,216
1987716550$2,678,975$4,871
198612379$759,573$9,615
19854526$112,576$4,330
198417<10––
19836652$355,033$6,828
19813121$53,224$2,534
197917497$241,944$2,494

From 2016 to 2026: 3,705 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 Horry County

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

Main NFIP communities in the county

Unincorporated Horry County (12,512 home policies) · North Myrtle Beach (2,804 home policies) · Myrtle Beach (2,276 home policies) · Surfside Beach (891 home policies) · Conway (383 home policies) · Briarcliffe Acres (70 home policies)