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Flood insurance cost · ZIP 27810 · NC

Flood insurance cost in ZIP 27810 (unincorporated Beaufort County, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 815 home policies in force on August 31, 2026.

ZIP code 27810 (unincorporated Beaufort County, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $842 and $1,410. That is 3% more than the Beaufort County median ($1,055). Most insured homes here are rated in zone AE (88%).

$0$842 · $1,084 · $1,410$1,762
+13.0% vs Aug 31, 2025 (median $959)
815home policies in force
$1,202average cost (mean)
88%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 ZIP code 27810

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		$1,073$841–$1,390$1,201717 (88%)+11.9%
Zone X
Moderate to low risk		$1,230$848–$1,456$1,20898 (12%)+17.7%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 27810, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home748$1,092$1,218
2–4 unit building18$990$1,003
Manufactured (mobile) home47$1,049$1,049
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.		16$2,605$2,469
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		85$2,107$2,493

Not shown (fewer than 10 policies): condo or apartment unit.

916NFIP policies in force, any building
955insured units (condo association policies count every unit)
64%of home policies also cover contents
$31,000median contents coverage, when bought

One year on: ZIP code 27810

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 force840815−3.0%
Median annual cost$959$1,084+13.0%
Average annual cost$1,068$1,202+12.5%
All policies in force (any building)941916−2.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27810 have filed 3,731 flood claims. 3,321 received a payment, for a total of $47.9 million (an average of $14,427 per paid claim). The year with the most claims was 1999 (977 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k198019901996: 558 claims, 510 paid, $6,702,463 in total19961998: 502 claims, 461 paid, $3,535,979 in total1999: 977 claims, 823 paid, $8,562,251 in total199920002003: 450 claims, 418 paid, $3,941,785 in total2006: 24 claims, 21 paid, $267,455 in total2008: 13 claims, 10 paid, $76,336 in total20102011: 671 claims, 604 paid, $16,297,603 in total20112015: 17 claims, 12 paid, $145,176 in total2016: 30 claims, 26 paid, $374,958 in total2018: 380 claims, 352 paid, $7,100,090 in total2020: 16 claims, 16 paid, $142,957 in total20202023: 38 claims, 35 paid, $483,648 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233835$483,648$13,819
20201616$142,957$8,935
2018380352$7,100,090$20,171
20163026$374,958$14,421
20151712$145,176$12,098
2011671604$16,297,603$26,983
20081310$76,336$7,634
20062421$267,455$12,736
2003450418$3,941,785$9,430
1999977823$8,562,251$10,404
1998502461$3,535,979$7,670
1996558510$6,702,463$13,142

From 2016 to 2026: 464 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.

NFIP communities in this ZIP code

Unincorporated Beaufort County (479 home policies) · Belhaven (295 home policies) · Unincorporated Hyde County (41 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.