Flood insurance cost · ZIP 28594 · NC

Flood insurance cost in ZIP 28594 (Emerald Isle, NC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,555 home policies in force on August 31, 2026.

ZIP code 28594 (Emerald Isle, NC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,205a year

Half of insured homes paid between $864 and $1,568. That is about the same as the Carteret County median ($1,219). The most common flood zone for insured homes here is zone X (42%).

$0$864 · $1,205 · $1,568$1,960

+10.9% vs Aug 31, 2025 (median $1,087)

1,555home policies in force

$1,376average cost (mean)

58%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 28594

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,435	$1,068–$1,941	$1,649	305 (20%)	+3.5%
Zone AE High risk	$1,320	$1,018–$1,883	$1,611	596 (38%)	+8.9%
Zone X Moderate to low risk	$940	$740–$1,267	$1,033	646 (42%)	+2.3%

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 28594, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,394	$1,206	$1,375
2–4 unit building	97	$1,358	$1,679
Manufactured (mobile) home	22	$1,016	$1,054
Condo or apartment unit	42	$716	$880
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.	108	$2,154	$2,395
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	19	$1,582	$2,041

1,682NFIP policies in force, any building

2,358insured units (condo association policies count every unit)

87%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 28594

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, 2025	Aug 31, 2026	Change
Home policies in force	1,638	1,555	−5.1%
Median annual cost	$1,087	$1,205	+10.9%
Average annual cost	$1,280	$1,376	+7.5%
All policies in force (any building)	1,773	1,682	−5.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 28594 have filed 1,694 flood claims. 810 received a payment, for a total of $11.0 million (an average of $13,591 per paid claim). The year with the most claims was 1996 (474 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	340	234	$4,730,221	$20,215
2011	48	<10	–	–
2010	13	<10	–	–
2005	173	89	$1,745,752	$19,615
2003	30	<10	–	–
1999	315	151	$1,819,612	$12,050
1998	154	36	$168,543	$4,682
1996	474	201	$1,876,596	$9,336
1994	53	40	$88,066	$2,202
1993	12	<10	–	–
1986	13	<10	–	–
1983	11	<10	–	–

From 2016 to 2026: 340 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

Emerald Isle (1,553 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.