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Flood insurance cost · ZIP 29407 · SC

Flood insurance cost in ZIP 29407 (Charleston, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,231 home policies in force on August 31, 2026.

ZIP code 29407 (Charleston, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,115a year

Half of insured homes paid between $869 and $1,454. That is 9% more than the Charleston County median ($1,023). Most insured homes here are rated in zone AE (69%).

$0$869 · $1,115 · $1,454$1,818
+10.4% vs Aug 31, 2025 (median $1,010)
3,231home policies in force
$1,330average cost (mean)
69%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 29407

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		$1,369$1,177–$1,812$1,57122 (1%)+8.3%
Zone AE
High risk		$1,218$964–$1,756$1,5102,214 (69%)+8.3%
Zone X
Moderate to low risk		$918$714–$1,140$926995 (31%)+4.6%

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 29407, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,147$1,125$1,343
2–4 unit building50$822$1,003
Condo or apartment unit30$603$620
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.		131$2,533$3,138
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		200$2,202$2,831

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,562NFIP policies in force, any building
4,106insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 29407

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 force3,3863,231−4.6%
Median annual cost$1,010$1,115+10.4%
Average annual cost$1,226$1,330+8.5%
All policies in force (any building)3,7503,562−5.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29407 have filed 2,265 flood claims. 1,518 received a payment, for a total of $26.3 million (an average of $17,299 per paid claim). The year with the most claims was 1989 (846 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 35 claims, 29 paid, $21,927 in total19801981: 11 claims1982: 20 claims, 11 paid, $26,279 in total1987: 29 claims, 22 paid, $39,563 in total1988: 10 claims1989: 846 claims, 439 paid, $4,698,160 in total19891990: 11 claims19901993: 17 claims, 10 paid, $53,042 in total1994: 102 claims, 70 paid, $320,185 in total1997: 12 claims1998: 24 claims, 18 paid, $57,344 in total1999: 43 claims, 24 paid, $164,724 in total20002002: 18 claims, 14 paid, $256,881 in total2004: 40 claims, 28 paid, $627,292 in total2005: 45 claims, 40 paid, $501,781 in total2008: 42 claims, 38 paid, $774,537 in total2009: 14 claims, 13 paid, $109,954 in total20102012: 35 claims, 25 paid, $853,046 in total2013: 16 claims, 10 paid, $358,281 in total2015: 322 claims, 235 paid, $4,512,586 in total20152016: 173 claims, 142 paid, $4,656,177 in total2017: 195 claims, 179 paid, $5,089,815 in total20172018: 33 claims, 28 paid, $492,487 in total2020: 13 claims20202022: 52 claims, 46 paid, $1,388,412 in total2023: 16 claims, 14 paid, $344,312 in total2024: 21 claims, 15 paid, $314,661 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242115$314,661$20,977
20231614$344,312$24,594
20225246$1,388,412$30,183
202013<10––
20183328$492,487$17,589
2017195179$5,089,815$28,435
2016173142$4,656,177$32,790
2015322235$4,512,586$19,202
20131610$358,281$35,828
20123525$853,046$34,122
20091413$109,954$8,458
20084238$774,537$20,383
20054540$501,781$12,545
20044028$627,292$22,403
20021814$256,881$18,349
19994324$164,724$6,864
19982418$57,344$3,186
199712<10––
199410270$320,185$4,574
19931710$53,042$5,304
199011<10––
1989846439$4,698,160$10,702
198810<10––
19872922$39,563$1,798
19822011$26,279$2,389
198111<10––
19793529$21,927$756

From 2016 to 2026: 503 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

Charleston (2,596 home policies) · Unincorporated Charleston County (633 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.