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Flood insurance cost · ZIP 29576 · SC

Flood insurance cost in ZIP 29576 (unincorporated Horry County, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,291 home policies in force on August 31, 2026.

ZIP code 29576 (unincorporated Horry County, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$704a year

Half of insured homes paid between $527 and $1,261. That is 10% more than the Horry County median ($642). Most insured homes here are rated in zone X (66%).

$0$527 · $704 · $1,261$1,576
+3.8% vs Aug 31, 2025 (median $678)
3,291home policies in force
$1,475average cost (mean)
34%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 29576

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		$4,442$1,668–$6,499$4,554158 (5%)−0.2%
Zone AE
High risk		$1,470$1,087–$4,046$2,866945 (29%)+13.1%
Zone X
Moderate to low risk		$571$489–$723$6532,188 (66%)+2.5%

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 29576, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,929$716$1,526
2–4 unit building47$1,234$2,426
Manufactured (mobile) home106$875$1,334
Condo or apartment unit209$425$627
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.		93$9,173$18,374
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		92$2,084$4,916
3,476NFIP policies in force, any building
5,330insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 29576

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 force3,6493,291−9.8%
Median annual cost$678$704+3.8%
Average annual cost$1,357$1,475+8.7%
All policies in force (any building)3,8563,476−9.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29576 have filed 3,064 flood claims. 2,257 received a payment, for a total of $90.5 million (an average of $40,088 per paid claim). The year with the most claims was 1989 (1,093 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 55 claims, 39 paid, $105,401 in total19801981: 12 claims, 10 paid, $11,724 in total1983: 11 claims1986: 46 claims, 32 paid, $490,261 in total1987: 250 claims, 198 paid, $1,478,845 in total1989: 1,093 claims, 978 paid, $52,275,384 in total198919901996: 219 claims, 38 paid, $447,427 in total1998: 37 claims1999: 196 claims, 57 paid, $553,110 in total2000: 12 claims20002001: 10 claims20102012: 14 claims2015: 77 claims, 45 paid, $1,508,865 in total2016: 452 claims, 337 paid, $11,494,004 in total20162018: 49 claims, 39 paid, $1,491,121 in total2019: 13 claims, 12 paid, $199,866 in total2020: 91 claims, 84 paid, $1,875,989 in total20202022: 337 claims, 299 paid, $17,145,139 in total20222023: 30 claims, 27 paid, $938,466 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233027$938,466$34,758
2022337299$17,145,139$57,342
20209184$1,875,989$22,333
20191312$199,866$16,656
20184939$1,491,121$38,234
2016452337$11,494,004$34,107
20157745$1,508,865$33,530
201214<10––
200110<10––
200012<10––
199919657$553,110$9,704
199837<10––
199621938$447,427$11,774
19891,093978$52,275,384$53,451
1987250198$1,478,845$7,469
19864632$490,261$15,321
198311<10––
19811210$11,724$1,172
19795539$105,401$2,703

From 2016 to 2026: 972 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 (2,235 home policies) · Unincorporated Georgetown County (1,056 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.