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Flood insurance cost · ZIP 29440 · SC

Flood insurance cost in ZIP 29440 (unincorporated Georgetown County, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,318 home policies in force on August 31, 2026.

ZIP code 29440 (unincorporated Georgetown County, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,267a year

Half of insured homes paid between $996 and $1,990. That is 8% more than the Georgetown County median ($1,168). Most insured homes here are rated in zone AE (76%).

$0$996 · $1,267 · $1,990$2,488
+13.6% vs Aug 31, 2025 (median $1,115)
1,318home policies in force
$1,845average cost (mean)
81%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 29440

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		$3,450$1,545–$4,138$3,86621 (2%)+19.7%
Zone AE
High risk		$1,430$1,119–$2,286$2,058996 (76%)+13.6%
Zone A
High risk		$695$604–$852$80847 (4%)+3.6%
Zone X
Moderate to low risk		$990$791–$1,235$1,038254 (19%)+6.7%

Not shown (fewer than 10 home policies): 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 29440, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,223$1,270$1,874
Manufactured (mobile) home11$1,889$1,954
Condo or apartment unit76$983$1,240
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.		70$3,310$4,966
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		92$3,101$4,617

Not shown (fewer than 10 policies): 2–4 unit building.

1,480NFIP policies in force, any building
1,623insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 29440

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 force1,3841,318−4.8%
Median annual cost$1,115$1,267+13.6%
Average annual cost$1,643$1,845+12.3%
All policies in force (any building)1,5461,480−4.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29440 have filed 1,013 flood claims. 793 received a payment, for a total of $26.2 million (an average of $33,074 per paid claim). The year with the most claims was 1989 (317 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 12 claims19801987: 35 claims, 28 paid, $144,198 in total1989: 317 claims, 282 paid, $9,676,268 in total198919901995: 12 claims1996: 26 claims1999: 37 claims, 19 paid, $171,577 in total2000: 35 claims, 30 paid, $418,449 in total20002005: 17 claims, 12 paid, $83,469 in total20102015: 212 claims, 166 paid, $8,334,985 in total20152016: 87 claims, 71 paid, $2,323,583 in total20162017: 10 claims2018: 25 claims, 19 paid, $614,585 in total2019: 10 claims20202022: 76 claims, 67 paid, $1,287,052 in total2023: 32 claims, 27 paid, $1,670,595 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233227$1,670,595$61,874
20227667$1,287,052$19,210
201910<10––
20182519$614,585$32,347
201710<10––
20168771$2,323,583$32,727
2015212166$8,334,985$50,211
20051712$83,469$6,956
20003530$418,449$13,948
19993719$171,577$9,030
199626<10––
199512<10––
1989317282$9,676,268$34,313
19873528$144,198$5,150
197912<10––

From 2016 to 2026: 240 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

Unincorporated Georgetown County (938 home policies) · Georgetown (380 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.