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Flood insurance cost · ZIP 28469 · NC

Flood insurance cost in ZIP 28469 (Ocean Isle Beach, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,414 home policies in force on August 31, 2026.

ZIP code 28469 (Ocean Isle Beach, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,262a year

Half of insured homes paid between $922 and $1,594. That is 30% more than the Brunswick County median ($971). Most insured homes here are rated in zone AE (69%).

$0$922 · $1,262 · $1,594$1,992
+12.0% vs Aug 31, 2025 (median $1,127)
2,414home policies in force
$1,420average cost (mean)
76%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 28469

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		$1,687$1,361–$2,443$2,018169 (7%)+6.2%
Zone AE
High risk		$1,362$1,136–$1,722$1,5951,676 (69%)+12.7%
Zone X
Moderate to low risk		$658$485–$863$727569 (24%)+2.2%

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 28469, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,336$1,272$1,434
2–4 unit building20$1,414$1,542
Manufactured (mobile) home22$822$970
Condo or apartment unit36$662$731
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.		145$3,107$4,027
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		18$1,524$3,287
2,577NFIP policies in force, any building
3,428insured units (condo association policies count every unit)
87%of home policies also cover contents
$87,000median contents coverage, when bought

One year on: ZIP code 28469

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 force2,4552,414−1.7%
Median annual cost$1,127$1,262+12.0%
Average annual cost$1,285$1,420+10.5%
All policies in force (any building)2,6152,577−1.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28469 have filed 1,601 flood claims. 926 received a payment, for a total of $6,266,374 (an average of $6,767 per paid claim). The year with the most claims was 1989 (326 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801987: 57 claims, 50 paid, $74,229 in total1989: 326 claims, 285 paid, $1,262,768 in total198919901993: 90 claims, 60 paid, $103,924 in total1995: 17 claims, 10 paid, $418,916 in total1996: 74 claims, 11 paid, $69,426 in total1998: 71 claims1999: 199 claims, 80 paid, $781,218 in total20002004: 78 claims2005: 18 claims2008: 17 claims, 13 paid, $113,967 in total2010: 15 claims20102014: 10 claims2016: 205 claims, 109 paid, $716,773 in total20162018: 30 claims, 14 paid, $125,269 in total2020: 259 claims, 196 paid, $1,245,101 in total202020202022: 60 claims, 44 paid, $250,703 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20226044$250,703$5,698
2020259196$1,245,101$6,353
20183014$125,269$8,948
2016205109$716,773$6,576
201410<10––
201015<10––
20081713$113,967$8,767
200518<10––
200478<10––
199919980$781,218$9,765
199871<10––
19967411$69,426$6,311
19951710$418,916$41,892
19939060$103,924$1,732
1989326285$1,262,768$4,431
19875750$74,229$1,485

From 2016 to 2026: 554 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

Ocean Isle Beach (1,927 home policies) · Unincorporated Brunswick County (463 home policies) · Sunset Beach (19 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.