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Flood insurance cost · ZIP 27948 · NC

Flood insurance cost in ZIP 27948 (Kill Devil Hills, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,489 home policies in force on August 31, 2026.

ZIP code 27948 (Kill Devil Hills, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$807a year

Half of insured homes paid between $663 and $998. That is 16% less than the Dare County median ($957). Most insured homes here are rated in zone X (58%).

$0$663 · $807 · $998$1,248
+3.7% vs Aug 31, 2025 (median $778)
2,489home policies in force
$851average cost (mean)
42%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 27948

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		$1,010$847–$1,231$1,044122 (5%)+0.9%
Zone AE
High risk		$784$628–$979$848881 (35%)+6.5%
Zone AO
High risk, shallow		$916$822–$1,047$92048 (2%)+5.8%
Zone X
Moderate to low risk		$802$666–$981$8351,438 (58%)+2.3%

Not shown (fewer than 10 home policies): A, 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 27948, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,430$808$851
2–4 unit building24$1,070$1,092
Condo or apartment unit28$594$588
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.		106$1,594$2,108
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		165$1,814$2,048

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,760NFIP policies in force, any building
3,578insured units (condo association policies count every unit)
88%of home policies also cover contents
$79,000median contents coverage, when bought

One year on: ZIP code 27948

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 force2,6252,489−5.2%
Median annual cost$778$807+3.7%
Average annual cost$808$851+5.3%
All policies in force (any building)2,8882,760−4.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27948 have filed 2,722 flood claims. 1,753 received a payment, for a total of $21.8 million (an average of $12,434 per paid claim). The year with the most claims was 2011 (749 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801981: 12 claims1983: 15 claims1985: 22 claims, 16 paid, $38,655 in total1989: 29 claims, 15 paid, $401,228 in total19901991: 157 claims, 130 paid, $1,328,482 in total1992: 62 claims, 49 paid, $289,756 in total1993: 130 claims, 80 paid, $447,640 in total1994: 14 claims1996: 13 claims1998: 40 claims, 26 paid, $210,337 in total1999: 361 claims, 174 paid, $1,136,301 in total199920002003: 369 claims, 225 paid, $5,359,553 in total20032004: 39 claims, 31 paid, $286,412 in total2006: 29 claims, 26 paid, $369,886 in total2009: 35 claims, 28 paid, $380,222 in total2010: 34 claims, 19 paid, $205,462 in total20102011: 749 claims, 472 paid, $4,612,919 in total20112012: 57 claims, 44 paid, $1,155,752 in total2016: 306 claims, 198 paid, $3,591,137 in total2018: 180 claims, 149 paid, $1,550,666 in total2019: 18 claims, 13 paid, $152,433 in total2020
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20191813$152,433$11,726
2018180149$1,550,666$10,407
2016306198$3,591,137$18,137
20125744$1,155,752$26,267
2011749472$4,612,919$9,773
20103419$205,462$10,814
20093528$380,222$13,579
20062926$369,886$14,226
20043931$286,412$9,239
2003369225$5,359,553$23,820
1999361174$1,136,301$6,530
19984026$210,337$8,090
199613<10––
199414<10––
199313080$447,640$5,596
19926249$289,756$5,913
1991157130$1,328,482$10,219
19892915$401,228$26,749
19852216$38,655$2,416
198315<10––
198112<10––

From 2016 to 2026: 504 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

Kill Devil Hills (1,567 home policies) · Unincorporated Dare County (918 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.