Flood insurance cost in North Carolina
In North Carolina, the lowest private flood insurance quote ran $606 a year and the typical private quote ran $1,394. The NFIP quote ran $1,230.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 63% below the NFIP quote, and private was the cheaper option for 94% of those 85 properties. The typical private quote came in 3% below NFIP.
Median annual premiums from 1,824 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $375 | $625 | $837 | 1,040 |
| Zone A, AE, AH and AO (high risk) | $842 | $2,939 | $2,158 | 783 |
| Residential properties | $592 | $1,394 | $1,230 | 1,813 |
How quotes have moved since 2020
- Lowest private quote$478 in 2026
- Typical private quote$950 in 2026
- NFIP quote$1,467 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $952 | $2,008 | $1,196 | 466 |
| 2021 | $889 | $1,921 | $2,123 | 455 |
| 2022 | $919 | $2,096 | n/a | 367 |
| 2023 | $955 | $1,801 | n/a | 338 |
| 2024 | $646 | $1,536 | $1,384 | 647 |
| 2025 | $683 | $1,454 | $1,244 | 999 |
| 2026* | $478 | $950 | $1,467 | 669 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in North Carolina?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in North Carolina was $1,394 a year and the lowest private quote a property received was $606. NFIP quotes ran $1,230. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in North Carolina?
- Where a property was quoted both ways, the lowest private quote came in a median 63% below the NFIP quote, and private was the cheaper option for 94% of those 85 properties. The typical private quote came in 3% below NFIP.
- How much does the flood zone change the price in North Carolina?
- Properties in high-risk A zones were quoted a typical $2,939 a year for private flood insurance, against $625 in moderate to low risk X zones. The lowest quotes ran $842 and $375.
- Where do these numbers come from?
- From 1,824 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in North Carolina
- Flood insurance in North Carolina: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.