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Flood insurance cost · ZIP 29585 · SC

Flood insurance cost in ZIP 29585 (unincorporated Georgetown County, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,802 home policies in force on August 31, 2026.

ZIP code 29585 (unincorporated Georgetown County, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $707 and $1,692. That is 7% less than the Georgetown County median ($1,168). The most common flood zone for insured homes here is zone X (46%).

$0$707 · $1,086 · $1,692$2,115
+12.7% vs Aug 31, 2025 (median $964)
2,802home policies in force
$1,897average cost (mean)
54%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 29585

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		$2,879$1,383–$6,301$4,056353 (13%)+13.2%
Zone AE
High risk		$1,417$1,133–$2,905$2,4981,157 (41%)+15.1%
Zone X
Moderate to low risk		$706$497–$978$7671,292 (46%)+0.6%

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 29585, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,537$1,125$1,953
2–4 unit building47$2,167$3,451
Condo or apartment unit211$659$870
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.		353$1,806$5,944
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		109$2,851$3,424

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

3,264NFIP policies in force, any building
5,328insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 29585

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 force3,0432,802−7.9%
Median annual cost$964$1,086+12.7%
Average annual cost$1,721$1,897+10.2%
All policies in force (any building)3,5203,264−7.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29585 have filed 2,374 flood claims. 1,834 received a payment, for a total of $54.7 million (an average of $29,802 per paid claim). The year with the most claims was 1989 (988 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k19801986: 20 claims, 14 paid, $73,540 in total1987: 255 claims, 217 paid, $1,201,955 in total1989: 988 claims, 851 paid, $29,596,853 in total198919901994: 14 claims, 10 paid, $25,205 in total1996: 81 claims1998: 22 claims1999: 102 claims, 30 paid, $257,325 in total200020102012: 16 claims, 15 paid, $226,305 in total2015: 82 claims, 59 paid, $754,503 in total2016: 332 claims, 261 paid, $7,503,388 in total20162017: 13 claims2018: 27 claims, 23 paid, $264,627 in total2019: 33 claims, 22 paid, $295,866 in total2020: 38 claims, 28 paid, $894,450 in total20202022: 257 claims, 232 paid, $11,931,229 in total20222023: 24 claims, 16 paid, $1,176,745 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232416$1,176,745$73,547
2022257232$11,931,229$51,428
20203828$894,450$31,945
20193322$295,866$13,448
20182723$264,627$11,506
201713<10––
2016332261$7,503,388$28,749
20158259$754,503$12,788
20121615$226,305$15,087
199910230$257,325$8,578
199822<10––
199681<10––
19941410$25,205$2,520
1989988851$29,596,853$34,779
1987255217$1,201,955$5,539
19862014$73,540$5,253

From 2016 to 2026: 724 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 (2,529 home policies) · Pawleys Island (272 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.