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Flood insurance cost · ZIP 28428 · NC

Flood insurance cost in ZIP 28428 (Carolina Beach, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,623 home policies in force on August 31, 2026.

ZIP code 28428 (Carolina Beach, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$996a year

Half of insured homes paid between $706 and $1,386. That is 4% less than the New Hanover County median ($1,037). Most insured homes here are rated in zone AE (67%).

$0$706 · $996 · $1,386$1,732
+8.5% vs Aug 31, 2025 (median $918)
1,623home policies in force
$1,267average cost (mean)
74%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 28428

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		$1,223$874–$1,845$1,643103 (6%)+10.5%
Zone AE
High risk		$1,111$864–$1,608$1,4341,092 (67%)+8.9%
Zone X
Moderate to low risk		$686$538–$885$750428 (26%)+3.8%

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 28428, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,353$1,019$1,255
2–4 unit building125$1,302$1,998
Condo or apartment unit141$642$725
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.		302$2,282$3,134
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		105$2,692$4,007

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

2,030NFIP policies in force, any building
3,965insured units (condo association policies count every unit)
72%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 28428

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 force1,6861,623−3.7%
Median annual cost$918$996+8.5%
Average annual cost$1,186$1,267+6.8%
All policies in force (any building)2,0862,030−2.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28428 have filed 3,039 flood claims. 2,229 received a payment, for a total of $42.8 million (an average of $19,192 per paid claim). The year with the most claims was 1996 (906 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k19801981: 14 claims, 11 paid, $10,021 in total1984: 92 claims, 44 paid, $144,689 in total1987: 50 claims, 30 paid, $218,549 in total19901991: 39 claims, 21 paid, $103,264 in total1996: 906 claims, 765 paid, $17,292,968 in total19961998: 449 claims, 299 paid, $3,557,727 in total19981999: 640 claims, 487 paid, $8,806,895 in total19992000: 11 claims20002004: 13 claims2005: 71 claims, 29 paid, $403,920 in total2008: 12 claims, 10 paid, $137,903 in total2010: 29 claims, 26 paid, $430,460 in total20102011: 50 claims, 34 paid, $185,479 in total2015: 64 claims, 22 paid, $311,429 in total2016: 10 claims2018: 274 claims, 208 paid, $3,796,687 in total20202022: 10 claims2024: 213 claims, 176 paid, $6,805,890 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024213176$6,805,890$38,670
202210<10––
2018274208$3,796,687$18,253
201610<10––
20156422$311,429$14,156
20115034$185,479$5,455
20102926$430,460$16,556
20081210$137,903$13,790
20057129$403,920$13,928
200413<10––
200011<10––
1999640487$8,806,895$18,084
1998449299$3,557,727$11,899
1996906765$17,292,968$22,605
19913921$103,264$4,917
19875030$218,549$7,285
19849244$144,689$3,288
19811411$10,021$911

From 2016 to 2026: 507 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

Carolina Beach (1,593 home policies) · Kure Beach (29 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.