Flood insurance cost · ZIP 29438 · SC

Flood insurance cost in ZIP 29438 (Edisto Beach, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,722 home policies in force on August 31, 2026.

ZIP code 29438 (Edisto Beach, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,214a year

Half of insured homes paid between $957 and $1,501. That is 6% less than the Colleton County median ($1,293). Most insured homes here are rated in zone AE (82%).

$0$957 · $1,214 · $1,501$1,876

+14.3% vs Aug 31, 2025 (median $1,062)

1,722home policies in force

$1,586average cost (mean)

91%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 29438

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	$4,175	$2,156–$5,388	$4,034	156 (9%)	+5.2%
Zone AE High risk	$1,200	$944–$1,430	$1,369	1,415 (82%)	+15.5%
Zone X Moderate to low risk	$1,056	$828–$1,342	$1,095	151 (9%)	+13.5%

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 29438, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,675	$1,215	$1,597
2–4 unit building	19	$1,371	$1,687
Manufactured (mobile) home	18	$730	$842
Condo or apartment unit	10	$829	$989
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.	85	$1,771	$2,830
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	31	$2,153	$3,185

1,838NFIP policies in force, any building

2,108insured units (condo association policies count every unit)

86%of home policies also cover contents

$92,000median contents coverage, when bought

One year on: ZIP code 29438

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	1,793	1,722	−4.0%
Median annual cost	$1,062	$1,214	+14.3%
Average annual cost	$1,419	$1,586	+11.8%
All policies in force (any building)	1,914	1,838	−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29438 have filed 647 flood claims. 416 received a payment, for a total of $4,398,579 (an average of $10,574 per paid claim). The year with the most claims was 2016 (308 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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2017	76	55	$629,790	$11,451
2016	308	210	$2,871,520	$13,674
2015	22	12	$89,324	$7,444
2005	10	<10	–	–
2002	11	<10	–	–
1999	28	<10	–	–
1996	13	<10	–	–
1989	50	18	$127,863	$7,104
1979	43	33	$82,498	$2,500

From 2016 to 2026: 384 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

Edisto Beach (1,139 home policies) · Unincorporated Charleston County (462 home policies) · Unincorporated Colleton County (119 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.