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Flood insurance cost · ZIP 28462 · NC

Flood insurance cost in ZIP 28462 (Holden Beach, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,347 home policies in force on August 31, 2026.

ZIP code 28462 (Holden Beach, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,219a year

Half of insured homes paid between $946 and $1,581. That is 26% more than the Brunswick County median ($971). Most insured homes here are rated in zone AE (73%).

$0$946 · $1,219 · $1,581$1,976
+10.1% vs Aug 31, 2025 (median $1,107)
2,347home policies in force
$1,410average cost (mean)
85%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 28462

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		$2,106$1,448–$2,694$2,245257 (11%)+4.2%
Zone AE
High risk		$1,239$1,003–$1,543$1,4061,718 (73%)+10.1%
Zone A
High risk		$712$632–$924$1,00110 (0%)−0.8%
Zone AO
High risk, shallow		$1,204$1,064–$1,360$1,24611 (0%)+4.5%
Zone X
Moderate to low risk		$779$578–$1,020$835351 (15%)+2.1%

Not shown (fewer than 10 home policies): 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 28462, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,235$1,221$1,404
2–4 unit building39$1,499$2,373
Manufactured (mobile) home63$885$1,124
Condo or apartment unit10$848$834
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.		34$1,785$2,130
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$2,678$3,577
2,412NFIP policies in force, any building
2,498insured units (condo association policies count every unit)
85%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: ZIP code 28462

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 force2,4152,347−2.8%
Median annual cost$1,107$1,219+10.1%
Average annual cost$1,317$1,410+7.1%
All policies in force (any building)2,4812,412−2.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28462 have filed 2,408 flood claims. 1,348 received a payment, for a total of $15.2 million (an average of $11,292 per paid claim). The year with the most claims was 1999 (502 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 11 claims19801984: 41 claims1986: 10 claims1987: 117 claims, 96 paid, $211,916 in total1989: 478 claims, 420 paid, $4,317,420 in total19891990: 41 claims, 32 paid, $262,585 in total19901991: 18 claims, 13 paid, $394,144 in total1993: 221 claims, 164 paid, $798,845 in total19931995: 29 claims, 17 paid, $530,073 in total1996: 185 claims, 66 paid, $764,267 in total1998: 143 claims, 12 paid, $58,149 in total1999: 502 claims, 264 paid, $2,905,566 in total199920002004: 174 claims2005: 35 claims, 11 paid, $384,948 in total2010: 19 claims, 10 paid, $183,150 in total20102016: 85 claims, 54 paid, $1,047,750 in total2018: 48 claims, 27 paid, $299,701 in total2020: 138 claims, 97 paid, $1,680,509 in total20202022: 23 claims, 16 paid, $393,863 in total2024: 19 claims, 12 paid, $364,838 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241912$364,838$30,403
20222316$393,863$24,616
202013897$1,680,509$17,325
20184827$299,701$11,100
20168554$1,047,750$19,403
20101910$183,150$18,315
20053511$384,948$34,995
2004174<10––
1999502264$2,905,566$11,006
199814312$58,149$4,846
199618566$764,267$11,580
19952917$530,073$31,181
1993221164$798,845$4,871
19911813$394,144$30,319
19904132$262,585$8,206
1989478420$4,317,420$10,280
198711796$211,916$2,207
198610<10––
198441<10––
197911<10––

From 2016 to 2026: 313 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

Holden Beach (1,778 home policies) · Unincorporated Brunswick County (551 home policies) · Varnamtown (17 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.