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Flood insurance cost · ZIP 28445 · NC

Flood insurance cost in ZIP 28445 (Surf City, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,255 home policies in force on August 31, 2026.

ZIP code 28445 (Surf City, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,396a year

Half of insured homes paid between $1,091 and $2,005. That is 16% more than the Pender County median ($1,207). Most insured homes here are rated in zone AE (60%).

$0$1,091 · $1,396 · $2,005$2,506
+10.9% vs Aug 31, 2025 (median $1,259)
3,255home policies in force
$1,778average cost (mean)
90%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 28445

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		$1,583$1,205–$2,362$1,993998 (31%)+8.0%
Zone AE
High risk		$1,403$1,119–$1,966$1,8051,946 (60%)+11.5%
Zone X
Moderate to low risk		$732$567–$1,266$917311 (10%)+6.4%

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 28445, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,080$1,393$1,779
2–4 unit building109$1,562$1,986
Manufactured (mobile) home37$1,674$1,734
Condo or apartment unit29$731$922
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.		52$1,930$3,837
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		98$4,567$5,745
3,405NFIP policies in force, any building
3,721insured units (condo association policies count every unit)
76%of home policies also cover contents
$53,000median contents coverage, when bought

One year on: ZIP code 28445

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 force3,3673,255−3.3%
Median annual cost$1,259$1,396+10.9%
Average annual cost$1,639$1,778+8.5%
All policies in force (any building)3,5203,405−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28445 have filed 5,547 flood claims. 3,788 received a payment, for a total of $56.2 million (an average of $14,841 per paid claim). The year with the most claims was 1996 (2,286 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k19801981: 11 claims1983: 20 claims1985: 39 claims, 10 paid, $192,300 in total1986: 92 claims, 69 paid, $457,335 in total1987: 96 claims, 61 paid, $150,174 in total1989: 23 claims, 12 paid, $33,721 in total19901993: 171 claims, 117 paid, $306,692 in total1996: 2,286 claims, 1,689 paid, $33,716,531 in total19961998: 406 claims, 172 paid, $837,219 in total1999: 1,238 claims, 951 paid, $9,129,531 in total199920002003: 10 claims2004: 22 claims2005: 91 claims, 33 paid, $272,676 in total2010: 10 claims20102011: 20 claims2015: 36 claims, 18 paid, $364,613 in total2016: 30 claims, 24 paid, $538,917 in total2018: 872 claims, 572 paid, $9,453,923 in total201820202022: 15 claims, 13 paid, $226,906 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20221513$226,906$17,454
2018872572$9,453,923$16,528
20163024$538,917$22,455
20153618$364,613$20,256
201120<10––
201010<10––
20059133$272,676$8,263
200422<10––
200310<10––
19991,238951$9,129,531$9,600
1998406172$837,219$4,868
19962,2861,689$33,716,531$19,962
1993171117$306,692$2,621
19892312$33,721$2,810
19879661$150,174$2,462
19869269$457,335$6,628
19853910$192,300$19,230
198320<10––
198111<10––

From 2016 to 2026: 917 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

Surf City (2,026 home policies) · Topsail Beach (965 home policies) · Holly Ridge (154 home policies) · Unincorporated Onslow County (69 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.