Data · June 2026 data · 14-month trend
North Carolina Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in North Carolina paid an average premium of $868 in June 2026. Against a national average of $1,001, the state sits 13.3% lower. Costs have risen 7.8% year over year. Across 13,305 transactions in 95 counties, the highest county-level average was $7,147 in Wilkes 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 — June 2026
- Average premium
- $868
- Avg total cost (with fees)
- $1,169
- Change (year over year)
- +7.8%
- vs national average
- -13.3%
- Policies written or renewed
- 13,305
- Counties reporting
- 95
North Carolina trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Wilkes County | $7,147 | $8,731 | 6 | |
| Surry County | $5,511 | $6,800 | 2 | |
| Stanly County | $4,276 | $5,192 | 3 | |
| Alleghany County | $2,858 | $3,669 | 1 | |
| Rockingham County | $2,595 | $3,179 | 5 | |
| Richmond County | $2,454 | $3,080 | 2 | |
| Rowan County | $2,332 | $2,903 | 17 | |
| Yancey County | $2,113 | $2,640 | 6 | |
| Caldwell County | $1,955 | $2,461 | 19 | |
| Henderson County | $1,950 | $2,480 | 35 | |
| Buncombe County | $1,948 | $2,514 | 101 | |
| Burke County | $1,947 | $2,482 | 18 | |
| Ashe County | $1,877 | $2,422 | 10 | |
| Avery County | $1,829 | $2,388 | 20 | |
| Swain County | $1,780 | $2,237 | 7 | |
| Forsyth County | $1,607 | $2,046 | 46 | |
| Haywood County | $1,576 | $2,023 | 57 | |
| Clay County | $1,540 | $2,050 | 7 | |
| Madison County | $1,528 | $1,964 | 10 | |
| Guilford County | $1,482 | $1,904 | 68 | |
| Polk County | $1,443 | $1,803 | 8 | |
| McDowell County | $1,423 | $1,826 | 6 | |
| Nash County | $1,417 | $1,824 | 53 | |
| Union County | $1,404 | $1,779 | 27 | |
| Graham County | $1,316 | $1,625 | 5 | |
| Macon County | $1,297 | $1,746 | 11 | |
| Watauga County | $1,289 | $1,718 | 34 | |
| Wake County | $1,217 | $1,559 | 225 | |
| Chowan County | $1,208 | $1,560 | 29 | |
| Durham County | $1,156 | $1,471 | 115 | |
| Halifax County | $1,127 | $1,401 | 7 | |
| Cleveland County | $1,125 | $1,400 | 1 | |
| Gaston County | $1,114 | $1,461 | 24 | |
| Bladen County | $1,090 | $1,390 | 21 | |
| Rutherford County | $1,088 | $1,506 | 3 | |
| Pender County | $1,079 | $1,434 | 576 | |
| Edgecombe County | $1,078 | $1,422 | 72 | |
| Cabarrus County | $1,065 | $1,348 | 35 | |
| Transylvania County | $1,045 | $1,422 | 29 | |
| Mecklenburg County | $1,042 | $1,346 | 261 | |
| Beaufort County | $1,033 | $1,374 | 342 | |
| Moore County | $1,018 | $1,308 | 40 | |
| Wilson County | $1,004 | $1,327 | 42 | |
| Jackson County | $996 | $1,397 | 33 | |
| Robeson County | $994 | $1,301 | 87 | |
| Alamance County | $991 | $1,265 | 29 | |
| Orange County | $986 | $1,256 | 66 | |
| Perquimans County | $981 | $1,254 | 45 | |
| Cherokee County | $964 | $1,313 | 13 | |
| Lee County | $963 | $1,226 | 13 | |
| Franklin County | $961 | $1,206 | 7 | |
| Pamlico County | $957 | $1,249 | 208 | |
| Hertford County | $952 | $1,295 | 9 | |
| Davie County | $939 | $1,180 | 4 | |
| Lenoir County | $926 | $1,227 | 54 | |
| Cumberland County | $920 | $1,205 | 115 | |
| Lincoln County | $920 | $1,182 | 9 | |
| Bertie County | $914 | $1,215 | 7 | |
| New Hanover County | $885 | $1,170 | 1,637 | |
| Jones County | $871 | $1,172 | 25 | |
| Montgomery County | $869 | $1,098 | 2 | |
| Scotland County | $867 | $1,095 | 4 | |
| Sampson County | $853 | $1,154 | 6 | |
| Camden County | $843 | $1,084 | 64 | |
| Davidson County | $840 | $1,092 | 16 | |
| Brunswick County | $835 | $1,142 | 2,145 | |
| Craven County | $834 | $1,096 | 683 | |
| Iredell County | $834 | $1,123 | 10 | |
| Chatham County | $829 | $1,085 | 13 | |
| Johnston County | $825 | $1,089 | 31 | |
| Hyde County | $812 | $1,151 | 119 | |
| Stokes County | $812 | $1,030 | 2 | |
| Pasquotank County | $810 | $1,102 | 220 | |
| Harnett County | $804 | $1,056 | 26 | |
| Currituck County | $799 | $1,138 | 309 | |
| Carteret County | $785 | $1,050 | 1,725 | |
| Duplin County | $776 | $1,021 | 41 | |
| Tyrrell County | $775 | $1,109 | 70 | |
| Pitt County | $755 | $1,088 | 269 | |
| Columbus County | $741 | $1,011 | 52 | |
| Warren County | $732 | $1,161 | 1 | |
| Wayne County | $731 | $1,065 | 145 | |
| Randolph County | $719 | $920 | 7 | |
| Northampton County | $718 | $919 | 1 | |
| Catawba County | $700 | $898 | 5 | |
| Greene County | $647 | $900 | 7 | |
| Onslow County | $635 | $862 | 794 | |
| Martin County | $621 | $861 | 4 | |
| Dare County | $601 | $889 | 1,743 | |
| Granville County | $590 | $768 | 2 | |
| Washington County | $587 | $785 | 11 | |
| Gates County | $521 | $743 | 4 | |
| Person County | $355 | $491 | 1 | |
| Mitchell County | $343 | $589 | 2 | |
| Hoke County | $339 | $584 | 4 |
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, June 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.