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Flood insurance cost · ZIP 27949 · NC

Flood insurance cost in ZIP 27949 (Kitty Hawk, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,970 home policies in force on August 31, 2026.

ZIP code 27949 (Kitty Hawk, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$973a year

Half of insured homes paid between $767 and $1,210. That is about the same as the Dare County median ($957). The most common flood zone for insured homes here is zone X (47%).

$0$767 · $973 · $1,210$1,512
+4.7% vs Aug 31, 2025 (median $929)
2,970home policies in force
$1,009average cost (mean)
53%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 27949

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		$1,044$904–$1,236$1,083474 (16%)+4.0%
Zone AE
High risk		$890$700–$1,142$966702 (24%)+8.9%
Zone AO
High risk, shallow		$1,000$884–$1,166$1,059168 (6%)+3.6%
Zone AH
High risk, shallow		$853$744–$996$892231 (8%)+2.5%
Zone X
Moderate to low risk		$1,001$740–$1,272$1,0181,395 (47%)+4.4%

Not shown (fewer than 10 home policies): A, 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 27949, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,911$977$1,011
2–4 unit building19$1,391$1,238
Condo or apartment unit35$763$746
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.		58$1,916$2,662
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		199$1,768$2,159

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

3,227NFIP policies in force, any building
3,560insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 27949

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 force3,0582,970−2.9%
Median annual cost$929$973+4.7%
Average annual cost$955$1,009+5.7%
All policies in force (any building)3,3243,227−2.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27949 have filed 3,506 flood claims. 2,592 received a payment, for a total of $33.3 million (an average of $12,855 per paid claim). The year with the most claims was 2003 (669 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801988: 12 claims1989: 59 claims, 40 paid, $812,365 in total19901991: 348 claims, 300 paid, $2,152,225 in total1992: 85 claims, 73 paid, $179,831 in total1993: 183 claims, 108 paid, $1,037,558 in total1994: 62 claims, 56 paid, $637,361 in total1995: 25 claims, 11 paid, $249,995 in total1996: 31 claims, 18 paid, $89,246 in total1998: 66 claims, 40 paid, $148,992 in total1999: 273 claims, 135 paid, $856,248 in total2000: 14 claims20002001: 11 claims2002: 17 claims, 11 paid, $345,102 in total2003: 669 claims, 510 paid, $8,992,997 in total20032004: 45 claims, 25 paid, $216,350 in total2005: 11 claims2006: 71 claims, 65 paid, $701,840 in total2008: 11 claims, 10 paid, $50,405 in total2009: 143 claims, 123 paid, $1,224,258 in total20102011: 525 claims, 358 paid, $5,462,725 in total20112012: 428 claims, 381 paid, $5,536,730 in total20122013: 15 claims2015: 10 claims2016: 228 claims, 166 paid, $2,226,986 in total2018: 92 claims, 76 paid, $1,023,687 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20189276$1,023,687$13,470
2016228166$2,226,986$13,416
201510<10––
201315<10––
2012428381$5,536,730$14,532
2011525358$5,462,725$15,259
2009143123$1,224,258$9,953
20081110$50,405$5,040
20067165$701,840$10,798
200511<10––
20044525$216,350$8,654
2003669510$8,992,997$17,633
20021711$345,102$31,373
200111<10––
200014<10––
1999273135$856,248$6,343
19986640$148,992$3,725
19963118$89,246$4,958
19952511$249,995$22,727
19946256$637,361$11,381
1993183108$1,037,558$9,607
19928573$179,831$2,463
1991348300$2,152,225$7,174
19895940$812,365$20,309
198812<10––

From 2016 to 2026: 320 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

Kitty Hawk (1,158 home policies) · Duck (891 home policies) · Southern Shores (747 home policies) · Unincorporated Dare County (168 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.