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Flood insurance cost · ZIP 27968 · NC

Flood insurance cost in ZIP 27968 (unincorporated Dare County, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 329 home policies in force on August 31, 2026.

ZIP code 27968 (unincorporated Dare County, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,138a year

Half of insured homes paid between $937 and $1,331. That is 19% more than the Dare County median ($957). Most insured homes here are rated in zone AE (57%).

$0$937 · $1,138 · $1,331$1,664
+9.7% vs Aug 31, 2025 (median $1,037)
329home policies in force
$1,166average cost (mean)
84%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 27968

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		$1,170$904–$1,406$1,21838 (12%)+8.4%
Zone AE
High risk		$1,092$914–$1,274$1,132186 (57%)+6.8%
Zone AO
High risk, shallow		$1,162$982–$1,367$1,18251 (16%)+7.9%
Zone X
Moderate to low risk		$1,224$1,058–$1,438$1,23054 (16%)+11.0%

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 27968, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home322$1,144$1,166
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		26$1,970$3,086

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).

362NFIP policies in force, any building
426insured units (condo association policies count every unit)
87%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 27968

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 force333329−1.2%
Median annual cost$1,037$1,138+9.7%
Average annual cost$1,084$1,166+7.6%
All policies in force (any building)369362−1.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 27968 have filed 1,482 flood claims. 1,232 received a payment, for a total of $24.8 million (an average of $20,123 per paid claim). The year with the most claims was 2011 (325 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 12 claims19901991: 23 claims, 18 paid, $275,140 in total1992: 20 claims, 17 paid, $247,712 in total1993: 173 claims, 143 paid, $992,386 in total19931994: 20 claims, 14 paid, $293,840 in total1998: 37 claims, 22 paid, $145,565 in total1999: 143 claims, 102 paid, $1,460,880 in total20002003: 195 claims, 168 paid, $3,459,580 in total20032004: 10 claims2006: 21 claims, 16 paid, $151,226 in total2008: 11 claims, 10 paid, $38,389 in total2009: 20 claims, 18 paid, $176,690 in total20102011: 325 claims, 294 paid, $7,805,912 in total20112012: 87 claims, 77 paid, $1,977,161 in total2014: 115 claims, 91 paid, $1,299,201 in total2018: 28 claims, 26 paid, $398,769 in total2019: 37 claims, 29 paid, $467,490 in total2020: 15 claims, 14 paid, $333,234 in total20202022: 37 claims, 32 paid, $1,094,820 in total2023: 19 claims, 16 paid, $528,284 in total2024: 28 claims, 27 paid, $1,996,818 in total2025: 24 claims, 21 paid, $402,186 in total2026: 15 claims, 14 paid, $379,791 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261514$379,791$27,128
20252421$402,186$19,152
20242827$1,996,818$73,956
20231916$528,284$33,018
20223732$1,094,820$34,213
20201514$333,234$23,802
20193729$467,490$16,120
20182826$398,769$15,337
201411591$1,299,201$14,277
20128777$1,977,161$25,677
2011325294$7,805,912$26,551
20092018$176,690$9,816
20081110$38,389$3,839
20062116$151,226$9,452
200410<10––
2003195168$3,459,580$20,593
1999143102$1,460,880$14,322
19983722$145,565$6,617
19942014$293,840$20,989
1993173143$992,386$6,940
19922017$247,712$14,571
19912318$275,140$15,286
198512<10––

From 2016 to 2026: 203 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 (328 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.