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Flood insurance cost · ZIP 27959 · NC

Flood insurance cost in ZIP 27959 (Nags Head, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,082 home policies in force on August 31, 2026.

ZIP code 27959 (Nags Head, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,000a year

Half of insured homes paid between $814 and $1,227. That is 4% more than the Dare County median ($957). The most common flood zone for insured homes here is zone X (47%).

$0$814 · $1,000 · $1,227$1,534
+5.0% vs Aug 31, 2025 (median $952)
2,082home policies in force
$1,042average 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 27959

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		$1,047$879–$1,273$1,101505 (24%)+3.8%
Zone AE
High risk		$979$824–$1,160$1,019350 (17%)+6.8%
Zone AO
High risk, shallow		$1,116$941–$1,331$1,171256 (12%)+2.5%
Zone X
Moderate to low risk		$938$772–$1,185$985971 (47%)+3.0%

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 27959, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,992$993$1,033
2–4 unit building52$1,301$1,458
Condo or apartment unit38$872$896
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.		35$2,138$2,272
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		181$1,915$2,383

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

2,298NFIP policies in force, any building
2,536insured units (condo association policies count every unit)
92%of home policies also cover contents
$88,500median contents coverage, when bought

One year on: ZIP code 27959

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 force2,1262,082−2.1%
Median annual cost$952$1,000+5.0%
Average annual cost$989$1,042+5.4%
All policies in force (any building)2,3572,298−2.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27959 have filed 3,109 flood claims. 2,072 received a payment, for a total of $32.7 million (an average of $15,789 per paid claim). The year with the most claims was 2003 (583 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801983: 17 claims, 12 paid, $40,478 in total1985: 45 claims, 30 paid, $98,672 in total1986: 16 claims, 11 paid, $19,065 in total1987: 25 claims, 14 paid, $236,018 in total1988: 33 claims, 24 paid, $573,982 in total1989: 116 claims, 83 paid, $2,446,716 in total19901991: 240 claims, 186 paid, $2,570,746 in total1992: 67 claims, 56 paid, $523,336 in total1993: 225 claims, 160 paid, $1,007,552 in total1994: 51 claims, 40 paid, $251,376 in total1995: 26 claims, 17 paid, $1,763,844 in total1998: 126 claims, 66 paid, $605,489 in total1999: 388 claims, 181 paid, $2,381,489 in total19992000: 37 claims, 30 paid, $134,786 in total20002001: 20 claims, 18 paid, $60,319 in total2003: 583 claims, 342 paid, $7,128,690 in total20032004: 21 claims, 16 paid, $65,378 in total2005: 30 claims, 28 paid, $256,148 in total2006: 105 claims, 83 paid, $1,675,192 in total2007: 25 claims, 25 paid, $129,018 in total2008: 81 claims, 73 paid, $739,324 in total2009: 147 claims, 114 paid, $2,275,267 in total2010: 26 claims, 21 paid, $90,181 in total20102011: 296 claims, 194 paid, $3,556,996 in total20112012: 76 claims, 54 paid, $1,161,662 in total2016: 150 claims, 112 paid, $1,912,916 in total2018: 38 claims, 26 paid, $400,736 in total2019: 12 claims2020
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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201912<10––
20183826$400,736$15,413
2016150112$1,912,916$17,080
20127654$1,161,662$21,512
2011296194$3,556,996$18,335
20102621$90,181$4,294
2009147114$2,275,267$19,958
20088173$739,324$10,128
20072525$129,018$5,161
200610583$1,675,192$20,183
20053028$256,148$9,148
20042116$65,378$4,086
2003583342$7,128,690$20,844
20012018$60,319$3,351
20003730$134,786$4,493
1999388181$2,381,489$13,157
199812666$605,489$9,174
19952617$1,763,844$103,756
19945140$251,376$6,284
1993225160$1,007,552$6,297
19926756$523,336$9,345
1991240186$2,570,746$13,821
198911683$2,446,716$29,479
19883324$573,982$23,916
19872514$236,018$16,858
19861611$19,065$1,733
19854530$98,672$3,289
19831712$40,478$3,373

From 2016 to 2026: 200 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

Nags Head (2,076 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.