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Flood insurance cost · ZIP 28460 · NC

Flood insurance cost in ZIP 28460 (North Topsail Beach, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,959 home policies in force on August 31, 2026.

ZIP code 28460 (North Topsail Beach, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,152a year

Half of insured homes paid between $904 and $1,633. That is 10% more than the Onslow County median ($1,043). Most insured homes here are rated in zone AE (68%).

$0$904 · $1,152 · $1,633$2,041
+13.3% vs Aug 31, 2025 (median $1,017)
1,959home policies in force
$1,436average 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 28460

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		$1,374$1,092–$2,200$1,793317 (16%)+11.1%
Zone AE
High risk		$1,204$984–$1,713$1,5061,329 (68%)+12.5%
Zone X
Moderate to low risk		$720$581–$957$778313 (16%)+1.4%

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 28460, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,817$1,159$1,436
2–4 unit building91$1,135$1,597
Manufactured (mobile) home23$1,099$1,365
Condo or apartment unit28$850$1,018
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.		17$4,969$5,906
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		22$2,750$3,097
1,998NFIP policies in force, any building
2,427insured units (condo association policies count every unit)
76%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: ZIP code 28460

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 force2,0531,959−4.6%
Median annual cost$1,017$1,152+13.3%
Average annual cost$1,307$1,436+9.9%
All policies in force (any building)2,0921,998−4.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28460 have filed 2,255 flood claims. 1,501 received a payment, for a total of $28.3 million (an average of $18,853 per paid claim). The year with the most claims was 1996 (837 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k198019901993: 47 claims, 33 paid, $158,597 in total1996: 837 claims, 539 paid, $10,154,120 in total19961998: 142 claims, 68 paid, $281,544 in total1999: 454 claims, 342 paid, $3,277,489 in total199920002001: 31 claims, 24 paid, $146,709 in total2002: 29 claims, 17 paid, $84,548 in total2003: 13 claims2005: 142 claims, 92 paid, $3,078,018 in total2007: 11 claims, 11 paid, $366,267 in total2008: 10 claims20102011: 29 claims, 15 paid, $630,492 in total2012: 28 claims, 24 paid, $334,543 in total2014: 36 claims, 32 paid, $712,358 in total2015: 21 claims2016: 12 claims2018: 352 claims, 250 paid, $7,530,695 in total20182020
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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2018352250$7,530,695$30,123
201612<10––
201521<10––
20143632$712,358$22,261
20122824$334,543$13,939
20112915$630,492$42,033
200810<10––
20071111$366,267$33,297
200514292$3,078,018$33,457
200313<10––
20022917$84,548$4,973
20013124$146,709$6,113
1999454342$3,277,489$9,583
199814268$281,544$4,140
1996837539$10,154,120$18,839
19934733$158,597$4,806

From 2016 to 2026: 364 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

North Topsail Beach (990 home policies) · Unincorporated Onslow County (968 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.