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Flood insurance cost · ZIP 28512 · NC

Flood insurance cost in ZIP 28512 (Atlantic Beach, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,598 home policies in force on August 31, 2026.

ZIP code 28512 (Atlantic Beach, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,409a year

Half of insured homes paid between $1,084 and $2,014. That is 16% more than the Carteret County median ($1,219). Most insured homes here are rated in zone AE (51%).

$0$1,084 · $1,409 · $2,014$2,518
+12.2% vs Aug 31, 2025 (median $1,256)
1,598home policies in force
$1,781average cost (mean)
67%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 28512

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		$1,269$852–$1,750$1,483244 (15%)+9.3%
Zone AE
High risk		$1,594$1,222–$2,670$2,180822 (51%)+12.7%
Zone X
Moderate to low risk		$1,265$954–$1,491$1,303523 (33%)+11.7%

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 28512, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,368$1,442$1,867
2–4 unit building57$1,311$1,727
Manufactured (mobile) home58$1,316$1,671
Condo or apartment unit115$660$837
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.		233$3,302$4,458
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		127$2,696$3,433
1,958NFIP policies in force, any building
5,243insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 28512

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 force1,6581,598−3.6%
Median annual cost$1,256$1,409+12.2%
Average annual cost$1,604$1,781+11.0%
All policies in force (any building)2,0381,958−3.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28512 have filed 1,577 flood claims. 947 received a payment, for a total of $18.1 million (an average of $19,122 per paid claim). The year with the most claims was 2018 (371 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801985: 23 claims, 16 paid, $48,732 in total19901993: 20 claims1994: 30 claims, 21 paid, $57,368 in total1996: 198 claims, 104 paid, $978,275 in total19961998: 119 claims, 39 paid, $169,056 in total1999: 194 claims, 102 paid, $1,503,081 in total20002003: 84 claims, 16 paid, $217,687 in total2005: 196 claims, 128 paid, $2,311,612 in total20052010: 17 claims, 16 paid, $356,403 in total20102011: 189 claims, 141 paid, $2,838,221 in total2014: 19 claims, 14 paid, $149,069 in total2015: 25 claims, 15 paid, $128,791 in total2018: 371 claims, 277 paid, $8,623,961 in total20182019: 11 claims2020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201911<10––
2018371277$8,623,961$31,133
20152515$128,791$8,586
20141914$149,069$10,648
2011189141$2,838,221$20,129
20101716$356,403$22,275
2005196128$2,311,612$18,059
20038416$217,687$13,605
1999194102$1,503,081$14,736
199811939$169,056$4,335
1996198104$978,275$9,406
19943021$57,368$2,732
199320<10––
19852316$48,732$3,046

From 2016 to 2026: 382 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

Atlantic Beach (1,011 home policies) · Pine Knoll Shores (446 home policies) · Indian Beach (94 home policies) · Unincorporated Carteret County (45 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.