Data · July 2026 data · 15-month trend
North Carolina Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in North Carolina paid an average premium of $867 in July 2026. Against a national average of $986, the state sits 12.0% lower. Costs have risen 7.4% year over year. Across 14,038 transactions in 97 counties, the highest county-level average was $4,364 in Alexander County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $867
- Avg total cost (with fees)
- $1,166
- Change (year over year)
- +7.4%
- vs national average
- -12.0%
- Policies written or renewed
- 14,038
- Counties reporting
- 97
North Carolina trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $836 | $1,135 | 11,228 | |
| June 2025 | $805 | $1,094 | 13,804 | |
| July 2025 | $808 | $1,094 | 14,602 | |
| August 2025 | $832 | $1,129 | 15,011 | |
| September 2025 | $841 | $1,142 | 13,158 | |
| October 2025 | $849 | $1,142 | 12,293 | |
| November 2025 | $851 | $1,155 | 9,541 | |
| December 2025 | $941 | $1,270 | 7,919 | |
| January 2026 | $859 | $1,170 | 7,415 | |
| February 2026 | $873 | $1,180 | 7,899 | |
| March 2026 | $868 | $1,176 | 9,704 | |
| April 2026 | $919 | $1,236 | 9,710 | |
| May 2026 | $893 | $1,203 | 10,852 | |
| June 2026 | $868 | $1,169 | 13,305 | |
| July 2026 | $867 | $1,166 | 14,038 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Alexander County | $4,364 | $5,296 | 3 | |
| Madison County | $3,233 | $4,015 | 7 | |
| Stokes County | $3,050 | $3,896 | 1 | |
| Wilkes County | $2,846 | $3,656 | 6 | |
| McDowell County | $2,798 | $3,535 | 7 | |
| Surry County | $2,281 | $2,943 | 5 | |
| Caldwell County | $2,187 | $2,791 | 13 | |
| Yancey County | $2,073 | $2,682 | 11 | |
| Catawba County | $1,962 | $2,489 | 20 | |
| Graham County | $1,948 | $2,520 | 3 | |
| Swain County | $1,854 | $2,350 | 10 | |
| Gaston County | $1,769 | $2,244 | 32 | |
| Rutherford County | $1,684 | $2,200 | 8 | |
| Nash County | $1,678 | $2,140 | 59 | |
| Burke County | $1,667 | $2,152 | 16 | |
| Franklin County | $1,580 | $1,936 | 7 | |
| Buncombe County | $1,550 | $2,000 | 107 | |
| Watauga County | $1,468 | $1,926 | 55 | |
| Rockingham County | $1,459 | $1,861 | 10 | |
| Union County | $1,426 | $1,797 | 38 | |
| Jackson County | $1,422 | $1,862 | 18 | |
| Cabarrus County | $1,413 | $1,790 | 31 | |
| Clay County | $1,388 | $1,834 | 9 | |
| Halifax County | $1,279 | $1,626 | 5 | |
| Lee County | $1,266 | $1,589 | 10 | |
| Polk County | $1,240 | $1,723 | 18 | |
| Forsyth County | $1,234 | $1,571 | 42 | |
| Cherokee County | $1,226 | $1,574 | 12 | |
| Ashe County | $1,222 | $1,675 | 14 | |
| Harnett County | $1,217 | $1,561 | 34 | |
| Guilford County | $1,183 | $1,540 | 81 | |
| Haywood County | $1,137 | $1,474 | 52 | |
| Macon County | $1,128 | $1,543 | 29 | |
| Rowan County | $1,126 | $1,442 | 11 | |
| Stanly County | $1,116 | $1,427 | 6 | |
| Mecklenburg County | $1,112 | $1,433 | 234 | |
| Bladen County | $1,076 | $1,378 | 19 | |
| Davidson County | $1,069 | $1,374 | 17 | |
| Transylvania County | $1,056 | $1,417 | 25 | |
| Orange County | $1,050 | $1,353 | 87 | |
| Wayne County | $1,029 | $1,385 | 98 | |
| Pamlico County | $1,023 | $1,346 | 240 | |
| Cleveland County | $1,021 | $1,427 | 3 | |
| Wake County | $1,015 | $1,314 | 281 | |
| Onslow County | $1,012 | $1,351 | 583 | |
| Robeson County | $1,008 | $1,427 | 266 | |
| Henderson County | $995 | $1,324 | 43 | |
| Mitchell County | $993 | $1,243 | 2 | |
| Wilson County | $991 | $1,316 | 66 | |
| Avery County | $990 | $1,381 | 16 | |
| Scotland County | $989 | $1,351 | 4 | |
| Beaufort County | $960 | $1,294 | 353 | |
| Davie County | $959 | $1,203 | 3 | |
| Durham County | $950 | $1,229 | 116 | |
| Anson County | $949 | $1,192 | 1 | |
| Pender County | $940 | $1,252 | 751 | |
| Hyde County | $938 | $1,299 | 107 | |
| Lenoir County | $920 | $1,224 | 48 | |
| Tyrrell County | $913 | $1,186 | 44 | |
| Perquimans County | $909 | $1,175 | 51 | |
| Iredell County | $906 | $1,189 | 14 | |
| Moore County | $901 | $1,190 | 48 | |
| Alamance County | $895 | $1,157 | 31 | |
| Sampson County | $892 | $1,162 | 18 | |
| Bertie County | $891 | $1,214 | 10 | |
| Johnston County | $883 | $1,147 | 60 | |
| Edgecombe County | $879 | $1,165 | 69 | |
| Vance County | $876 | $1,105 | 3 | |
| Jones County | $871 | $1,155 | 20 | |
| Pasquotank County | $870 | $1,167 | 198 | |
| Hertford County | $860 | $1,087 | 5 | |
| Currituck County | $829 | $1,165 | 292 | |
| Cumberland County | $816 | $1,072 | 150 | |
| Alleghany County | $813 | $1,256 | 2 | |
| Duplin County | $810 | $1,071 | 69 | |
| Craven County | $806 | $1,043 | 740 | |
| Martin County | $806 | $1,055 | 14 | |
| Columbus County | $799 | $1,097 | 52 | |
| Washington County | $795 | $1,046 | 25 | |
| Brunswick County — June 2026 profile | $794 | $1,093 | 2,253 | |
| New Hanover County | $789 | $1,039 | 2,220 | |
| Chowan County | $788 | $1,030 | 35 | |
| Camden County | $785 | $1,025 | 83 | |
| Hoke County | $765 | $975 | 9 | |
| Richmond County | $764 | $973 | 3 | |
| Chatham County | $744 | $1,002 | 17 | |
| Dare County | $733 | $1,069 | 1,412 | |
| Carteret County | $724 | $974 | 1,699 | |
| Greene County | $693 | $984 | 12 | |
| Randolph County | $673 | $923 | 8 | |
| Warren County | $626 | $1,035 | 2 | |
| Lincoln County | $615 | $823 | 9 | |
| Gates County | $597 | $802 | 9 | |
| Pitt County | $565 | $787 | 193 | |
| Granville County | $525 | $691 | 2 | |
| Montgomery County | $497 | $883 | 1 | |
| Northampton County | $438 | $664 | 3 |
Use this data
Download North Carolina CSV (north-carolina.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"North Carolina Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/north-carolina
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.