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Flood insurance cost · ZIP 27889 · NC

Flood insurance cost in ZIP 27889 (unincorporated Beaufort County, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,227 home policies in force on August 31, 2026.

ZIP code 27889 (unincorporated Beaufort County, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$958a year

Half of insured homes paid between $711 and $1,258. That is 9% less than the Beaufort County median ($1,055). Most insured homes here are rated in zone AE (61%).

$0$711 · $958 · $1,258$1,572
+10.6% vs Aug 31, 2025 (median $866)
1,227home policies in force
$1,058average cost (mean)
62%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 27889

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		$982$760–$1,337$1,115752 (61%)+12.5%
Zone X
Moderate to low risk		$936$658–$1,165$961469 (38%)+9.6%

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 27889, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,079$1,009$1,098
2–4 unit building121$637$721
Manufactured (mobile) home18$983$1,046
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.		20$1,537$1,747
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		103$1,763$2,093

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

1,350NFIP policies in force, any building
1,377insured units (condo association policies count every unit)
63%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 27889

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 force1,2681,227−3.2%
Median annual cost$866$958+10.6%
Average annual cost$956$1,058+10.7%
All policies in force (any building)1,4031,350−3.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27889 have filed 3,789 flood claims. 3,153 received a payment, for a total of $50.8 million (an average of $16,103 per paid claim). The year with the most claims was 1999 (1,086 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801985: 19 claims, 17 paid, $110,854 in total19901996: 659 claims, 569 paid, $7,684,144 in total19961998: 423 claims, 375 paid, $3,776,693 in total1999: 1,086 claims, 854 paid, $14,298,389 in total199920002001: 10 claims2003: 141 claims, 121 paid, $882,710 in total2005: 68 claims, 59 paid, $949,722 in total2006: 15 claims, 11 paid, $89,397 in total2010: 124 claims, 90 paid, $1,245,767 in total20102011: 525 claims, 441 paid, $7,560,768 in total20112014: 18 claims, 13 paid, $96,448 in total2016: 115 claims, 91 paid, $1,909,784 in total2018: 483 claims, 441 paid, $11,707,224 in total20202023: 37 claims, 31 paid, $274,532 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233731$274,532$8,856
2018483441$11,707,224$26,547
201611591$1,909,784$20,987
20141813$96,448$7,419
2011525441$7,560,768$17,145
201012490$1,245,767$13,842
20061511$89,397$8,127
20056859$949,722$16,097
2003141121$882,710$7,295
200110<10––
19991,086854$14,298,389$16,743
1998423375$3,776,693$10,071
1996659569$7,684,144$13,505
19851917$110,854$6,521

From 2016 to 2026: 635 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 (569 home policies) · Washington (532 home policies) · Washington Park (109 home policies) · Unincorporated Pitt County (17 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.