Flood insurance cost · Newberry County, SC

Flood insurance cost in Newberry County, South Carolina

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 107 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,119a year

Half of insured homes paid between $822 and $1,415. That is 18% more than the South Carolina median ($949). Most insured homes here are rated in zone AE (79%).

$0$822 · $1,119 · $1,415$1,769

+8.6% vs Aug 31, 2025 (median $1,030)

107home policies in force

$1,269average cost (mean)

92%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 Newberry 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	$1,069	$815–$1,296	$1,204	85 (79%)	+12.3%
Zone A High risk	$1,414	$1,181–$1,644	$1,565	13 (12%)	+3.0%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, X, 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 Newberry County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	102	$1,096	$1,225

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.

111NFIP policies in force, any building

111insured units (condo association policies count every unit)

46%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Newberry 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	111	107	−3.6%
Median annual cost	$1,030	$1,119	+8.6%
Average annual cost	$1,147	$1,269	+10.6%
All policies in force (any building)	119	111	−6.7%

How many homes have flood insurance?

0.6%of all homes in Newberry County have an NFIP policy

34.2%of homes in high-risk zones (special flood hazard area) have one

18,797residential buildings counted by FEMA

287of 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 Newberry County, South Carolina have filed 39 flood claims. 29 received a payment, for a total of $281,310 (an average of $9,700 per paid claim). 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 (0)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim

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

Unincorporated Newberry County (95 home policies) · Newberry (11 home policies)