Flood insurance cost · ZIP 29928 · SC

Flood insurance cost in ZIP 29928 (Hilton Head Island, SC)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,217 home policies in force on August 31, 2026.

ZIP code 29928 (Hilton Head Island, SC)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,075 and $1,720. That is 32% more than the Beaufort County median ($962). Most insured homes here are rated in zone AE (61%).

$0$1,075 · $1,266 · $1,720$2,150

+16.8% vs Aug 31, 2025 (median $1,084)

6,217home policies in force

$1,757average cost (mean)

62%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 29928

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	$2,414	$1,694–$4,432	$3,506	32 (1%)	+22.7%
Zone AE High risk	$1,264	$1,016–$2,242	$1,929	3,778 (61%)	+15.2%
Zone AO High risk, shallow	$1,373	$1,147–$3,052	$2,746	75 (1%)	+12.4%
Zone X Moderate to low risk	$1,266	$1,084–$1,490	$1,423	2,332 (38%)	+16.8%

Not shown (fewer than 10 home policies): A, 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 29928, by what they insure.

Type of building	Policies	Median	Average
Single-family home	5,893	$1,267	$1,793
2–4 unit building	34	$1,284	$1,510
Condo or apartment unit	290	$917	$1,062
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.	1,337	$4,332	$6,015
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	443	$2,794	$3,862

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

7,997NFIP policies in force, any building

20,184insured units (condo association policies count every unit)

94%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 29928

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	6,433	6,217	−3.4%
Median annual cost	$1,084	$1,266	+16.8%
Average annual cost	$1,565	$1,757	+12.3%
All policies in force (any building)	8,222	7,997	−2.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 29928 have filed 1,664 flood claims. 1,027 received a payment, for a total of $22.0 million (an average of $21,407 per paid claim). The year with the most claims was 2016 (826 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 (14)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	11	<10	–	–
2021	10	<10	–	–
2017	178	156	$3,288,611	$21,081
2016	826	493	$15,084,358	$30,597
2007	11	<10	–	–
2002	23	13	$166,008	$12,770
1999	26	<10	–	–
1998	37	24	$173,644	$7,235
1995	50	30	$142,655	$4,755
1994	288	197	$2,004,448	$10,175
1989	23	<10	–	–
1988	51	32	$156,593	$4,894
1987	19	13	$32,948	$2,534
1979	17	<10	–	–

From 2016 to 2026: 1,025 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

Hilton Head Island (6,203 home policies) · Unincorporated Beaufort County (14 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.