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Flood insurance cost · ZIP 29526 · SC

Flood insurance cost in ZIP 29526 (unincorporated Horry County, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,345 home policies in force on August 31, 2026.

ZIP code 29526 (unincorporated Horry County, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$633a year

Half of insured homes paid between $468 and $918. That is about the same as the Horry County median ($642). Most insured homes here are rated in zone X (74%).

$0$468 · $633 · $918$1,148
+2.8% vs Aug 31, 2025 (median $616)
1,345home policies in force
$742average cost (mean)
26%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 29526

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 AE
High risk		$985$714–$1,228$1,043347 (26%)+6.7%
Zone X
Moderate to low risk		$563$435–$727$638996 (74%)+2.2%

Not shown (fewer than 10 home policies): VE, 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 29526, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,280$628$743
Manufactured (mobile) home52$687$775
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.		10$1,792$1,819
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		49$2,379$2,837

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

1,404NFIP policies in force, any building
1,419insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 29526

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 force1,4701,345−8.5%
Median annual cost$616$633+2.8%
Average annual cost$703$742+5.5%
All policies in force (any building)1,5361,404−8.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29526 have filed 1,077 flood claims. 943 received a payment, for a total of $43.6 million (an average of $46,287 per paid claim). The year with the most claims was 2018 (279 claims). Amounts are in dollars of the time, not adjusted for inflation.

010020030040019801983: 14 claims, 13 paid, $117,551 in total1987: 14 claims, 13 paid, $40,377 in total1989: 13 claims, 10 paid, $802,108 in total19901993: 25 claims, 22 paid, $174,063 in total1994: 19 claims, 15 paid, $99,009 in total1996: 63 claims, 52 paid, $1,015,053 in total1998: 61 claims, 48 paid, $785,963 in total1999: 170 claims, 154 paid, $5,405,574 in total1999200020102013: 17 claims, 13 paid, $64,288 in total2015: 142 claims, 115 paid, $2,922,112 in total2016: 179 claims, 159 paid, $4,839,545 in total20162018: 279 claims, 274 paid, $26,704,351 in total201820202021: 14 claims, 11 paid, $115,858 in total2024: 15 claims, 13 paid, $288,145 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241513$288,145$22,165
20211411$115,858$10,533
2018279274$26,704,351$97,461
2016179159$4,839,545$30,437
2015142115$2,922,112$25,410
20131713$64,288$4,945
1999170154$5,405,574$35,101
19986148$785,963$16,374
19966352$1,015,053$19,520
19941915$99,009$6,601
19932522$174,063$7,912
19891310$802,108$80,211
19871413$40,377$3,106
19831413$117,551$9,042

From 2016 to 2026: 487 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 Horry County (1,060 home policies) · Conway (284 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.