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Flood insurance cost · ZIP 27915 · NC

Flood insurance cost in ZIP 27915 (unincorporated Dare County, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 980 home policies in force on August 31, 2026.

ZIP code 27915 (unincorporated Dare County, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,133a year

Half of insured homes paid between $927 and $1,341. That is 18% more than the Dare County median ($957). Most insured homes here are rated in zone AE (60%).

$0$927 · $1,133 · $1,341$1,676
+9.3% vs Aug 31, 2025 (median $1,037)
980home policies in force
$1,193average 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 27915

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		$1,304$1,084–$1,566$1,35223 (2%)+14.7%
Zone AE
High risk		$1,083$878–$1,274$1,164587 (60%)+9.4%
Zone X
Moderate to low risk		$1,212$1,016–$1,431$1,229370 (38%)+7.7%

Not shown (fewer than 10 home policies): 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 27915, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home966$1,133$1,194
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		45$2,354$2,716

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).

1,031NFIP policies in force, any building
1,072insured units (condo association policies count every unit)
88%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 27915

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 force1,002980−2.2%
Median annual cost$1,037$1,133+9.3%
Average annual cost$1,107$1,193+7.8%
All policies in force (any building)1,0571,031−2.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27915 have filed 1,642 flood claims. 903 received a payment, for a total of $14.2 million (an average of $15,674 per paid claim). The year with the most claims was 1993 (424 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801985: 47 claims, 37 paid, $263,563 in total19901991: 16 claims1993: 424 claims, 267 paid, $2,427,341 in total19931998: 22 claims1999: 104 claims, 10 paid, $32,062 in total20002003: 171 claims, 19 paid, $56,191 in total20032004: 146 claims, 11 paid, $135,806 in total2010: 22 claims, 11 paid, $55,817 in total20102011: 360 claims, 254 paid, $5,576,294 in total20112016: 14 claims, 10 paid, $72,454 in total2017: 11 claims2018: 66 claims, 64 paid, $880,127 in total2019: 165 claims, 141 paid, $2,781,026 in total2020: 29 claims, 28 paid, $498,099 in total20202022: 10 claims
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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202210<10––
20202928$498,099$17,789
2019165141$2,781,026$19,724
20186664$880,127$13,752
201711<10––
20161410$72,454$7,245
2011360254$5,576,294$21,954
20102211$55,817$5,074
200414611$135,806$12,346
200317119$56,191$2,957
199910410$32,062$3,206
199822<10––
1993424267$2,427,341$9,091
199116<10––
19854737$263,563$7,123

From 2016 to 2026: 295 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 Dare County (980 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.