What insurance actually costs at the shore, town by town.
Built from every federal flood policy on file and the non-renewal figures insurers gave Congress. Not estimates. Updated October 2026.
Cape May County, NJ
Flood insurance on a typical single-family home here cost $454 a year in 2019. Last year it was $901. Over the same stretch, 3,087 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 67% of single-family flood policies in Cape May County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Wildwood08260 · single-family | $599 | $1,057 | +76% | -9% |
| Stone Harbor08247 · single-family | $424 | $958 | +126% | -17% |
| Cape May Point08212 · single-family | $435 | $912 | +110% | -11% |
| Ocean City08226 · single-family | $505 | $910 | +80% | -19% |
| Cape May08204 · single-family | $421 | $859 | +104% | -23% |
| Avalon08202 · single-family | $437 | $819 | +87% | -18% |
| Villas08251 · single-family | $427 | $780 | +83% | -24% |
| Sea Isle City08243 · single-family | $354 | $753 | +113% | -27% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Cape May County ranks #1 of 21 counties in NJ for the share of homeowners policies insurers declined to renew in 2023: 1.45%, up from 0.48% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $3,359 in 2018 and $3,099 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Avalon | $5,754 | $4,799 | -17% | 0.76% | 8¢ |
| Stone Harbor | $5,082 | $4,092 | -19% | 0.24% | 8¢ |
| Ocean City | $3,513 | $3,256 | -7% | 0.83% | 10¢ |
| Sea Isle City | $3,778 | $3,178 | -16% | 0.58% | 15¢ |
| Cape May Point | $2,898 | $2,956 | +2% | 1.87% | 12¢ |
| Wildwood | $2,306 | $2,518 | +9% | 0.97% | 23¢ |
| Cape May | $2,022 | $2,127 | +5% | 0.57% | 12¢ |
| Villas | $1,520 | $1,863 | +23% | 0.35% | 10¢ |
Questions people ask
How much is flood insurance in Cape May County, NJ?
The median federal flood premium on a single-family home was $901 in 2025, up from $454 in 2019 (+98%). Stone Harbor rose fastest at +126%.
Are people dropping flood insurance in Cape May County?
Yes. Single-family flood policies in force fell from 18,077 in 2019 to 14,990 in 2025, a drop of 3,087 homes (-17%).
What share of Cape May County flood policies are second homes?
67% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Atlantic County, NJ
Flood insurance on a typical single-family home here cost $523 a year in 2019. Last year it was $950. Over the same stretch, 3,477 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 45% of single-family flood policies in Atlantic County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Longport08403 · single-family | $589 | $1,249 | +112% | -17% |
| Atlantic City08401 · single-family | $731 | $1,047 | +43% | -27% |
| Margate08402 · single-family | $552 | $1,006 | +82% | -24% |
| Ventnor08406 · single-family | $547 | $960 | +76% | -25% |
| Brigantine08203 · single-family | $486 | $909 | +87% | -26% |
| Linwood08221 · all policies | $421 | $723 | +72% | -21% |
| Somers Point08244 · single-family | $452 | $681 | +51% | -17% |
| Egg Harbor Twp08234 · all policies | $419 | $660 | +58% | -25% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Atlantic County ranks #2 of 21 counties in NJ for the share of homeowners policies insurers declined to renew in 2023: 1.13%, up from 0.55% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $2,910 in 2018 and $2,991 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Longport | $6,123 | $5,541 | -10% | 0.98% | 3¢ |
| Margate | $3,642 | $3,858 | +6% | 0.99% | 23¢ |
| Ventnor | $3,148 | $3,370 | +7% | 1.57% | 30¢ |
| Brigantine | $2,798 | $2,985 | +7% | 1.54% | 31¢ |
| Linwood | $2,369 | $2,489 | +5% | 0.56% | 26¢ |
| Atlantic City | $2,018 | $2,350 | +16% | 1.83% | 34¢ |
| Somers Point | $1,579 | $1,712 | +8% | 0.38% | 15¢ |
| Egg Harbor Twp | $1,604 | $1,625 | +1% | 0.57% | 51¢ |
Questions people ask
How much is flood insurance in Atlantic County, NJ?
The median federal flood premium on a single-family home was $950 in 2025, up from $523 in 2019 (+82%). Longport rose fastest at +112%.
Are people dropping flood insurance in Atlantic County?
Yes. Single-family flood policies in force fell from 14,082 in 2019 to 10,605 in 2025, a drop of 3,477 homes (-25%).
What share of Atlantic County flood policies are second homes?
45% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Ocean County, NJ
Flood insurance on a typical single-family home here cost $445 a year in 2019. Last year it was $859. Over the same stretch, 7,985 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 48% of single-family flood policies in Ocean County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Mantoloking08738 · single-family | $556 | $1,090 | +96% | -6% |
| Point Pleasant Beach08742 · single-family | $466 | $907 | +95% | -12% |
| Toms River08753 · single-family | $496 | $902 | +82% | -23% |
| Barnegat08005 · single-family | $455 | $889 | +95% | -28% |
| Seaside Park08752 · single-family | $475 | $879 | +85% | -20% |
| Long Beach Island08008 · single-family | $454 | $871 | +92% | -17% |
| Lavallette08735 · single-family | $410 | $855 | +109% | -14% |
| Seaside Heights08751 · single-family | $416 | $842 | +102% | -13% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Ocean County ranks #5 of 21 counties in NJ for the share of homeowners policies insurers declined to renew in 2023: 0.91%, up from 0.46% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $2,834 in 2018 and $3,148 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Mantoloking | $6,325 | $6,381 | +1% | 1.57% | 16¢ |
| Long Beach Island | $3,449 | $3,572 | +4% | 1.12% | 14¢ |
| Seaside Park | $2,617 | $3,197 | +22% | 0.48% | 14¢ |
| Lavallette | $2,663 | $3,175 | +19% | 0.92% | 6¢ |
| Seaside Heights | $2,203 | $2,723 | +24% | 0.90% | 20¢ |
| Point Pleasant Beach | $2,156 | $2,538 | +18% | 1.01% | 18¢ |
| Toms River | $1,748 | $1,964 | +12% | 0.63% | 29¢ |
| Barnegat | $1,512 | $1,632 | +8% | 0.32% | 34¢ |
Questions people ask
How much is flood insurance in Ocean County, NJ?
The median federal flood premium on a single-family home was $859 in 2025, up from $445 in 2019 (+93%). Lavallette rose fastest at +109%.
Are people dropping flood insurance in Ocean County?
Yes. Single-family flood policies in force fell from 41,941 in 2019 to 33,956 in 2025, a drop of 7,985 homes (-19%).
What share of Ocean County flood policies are second homes?
48% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Monmouth County, NJ
Flood insurance on a typical single-family home here cost $421 a year in 2019. Last year it was $873. Over the same stretch, 1,961 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 25% of single-family flood policies in Monmouth County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Rumson07760 · single-family | $434 | $958 | +121% | -19% |
| Monmouth Beach07750 · single-family | $440 | $919 | +109% | -18% |
| Long Branch07740 · single-family | $421 | $915 | +117% | -25% |
| Avon-by-the-Sea07717 · all policies | $421 | $780 | +85% | -13% |
| Ocean Grove07756 · all policies | $421 | $746 | +77% | -13% |
| Manasquan08736 · single-family | $469 | $718 | +53% | -4% |
| Belmar07719 · single-family | $421 | $608 | +44% | -13% |
| Spring Lake07762 · single-family | $421 | $591 | +40% | -14% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Monmouth County ranks #5 of 21 counties in NJ for the share of homeowners policies insurers declined to renew in 2023: 0.91%, up from 0.37% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $3,479 in 2018 and $3,666 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Rumson | $5,641 | $5,355 | -5% | 1.22% | 22¢ |
| Monmouth Beach | $4,318 | $4,470 | +4% | 1.16% | 8¢ |
| Spring Lake | $4,186 | $4,325 | +3% | 0.92% | 20¢ |
| Avon-by-the-Sea | $3,656 | $4,123 | +13% | 0.40% | 3¢ |
| Long Branch | $2,783 | $3,091 | +11% | 1.16% | 61¢ |
| Ocean Grove | $2,839 | $3,035 | +7% | 1.30% | 19¢ |
| Manasquan | $2,257 | $2,552 | +13% | 0.58% | 20¢ |
| Belmar | $2,151 | $2,379 | +11% | 0.45% | 20¢ |
Questions people ask
How much is flood insurance in Monmouth County, NJ?
The median federal flood premium on a single-family home was $873 in 2025, up from $421 in 2019 (+107%). Rumson rose fastest at +121%.
Are people dropping flood insurance in Monmouth County?
Yes. Single-family flood policies in force fell from 15,434 in 2019 to 13,473 in 2025, a drop of 1,961 homes (-13%).
What share of Monmouth County flood policies are second homes?
25% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Sussex County, DE
Flood insurance on a typical single-family home here cost $432 a year in 2019. Last year it was $783. Over the same stretch, 1,699 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 52% of single-family flood policies in Sussex County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Fenwick Island19944 · single-family | $513 | $1,008 | +96% | -10% |
| Bethany Beach19930 · single-family | $525 | $926 | +76% | -8% |
| Rehoboth Beach19971 · single-family | $421 | $774 | +84% | -15% |
| Millsboro19966 · single-family | $421 | $530 | +26% | -32% |
| Lewes19958 · single-family | $421 | $494 | +17% | +2% |
| Frankford19945 · single-family | $402 | $457 | +14% | -17% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Sussex County ranks #1 of 3 counties in DE for the share of homeowners policies insurers declined to renew in 2023: 0.95%, up from 0.48% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $1,703 in 2018 and $1,781 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Fenwick Island | $2,825 | $2,682 | -5% | 0.43% | 4¢ |
| Bethany Beach | $2,116 | $2,373 | +12% | 0.60% | 13¢ |
| Rehoboth Beach | $1,870 | $1,990 | +6% | 0.70% | 25¢ |
| Lewes | $1,318 | $1,404 | +6% | 0.71% | 24¢ |
| Frankford | $1,057 | $1,132 | +7% | 0.94% | 29¢ |
| Millsboro | $1,033 | $1,106 | +7% | 0.56% | 28¢ |
Questions people ask
How much is flood insurance in Sussex County, DE?
The median federal flood premium on a single-family home was $783 in 2025, up from $432 in 2019 (+81%). Fenwick Island rose fastest at +96%.
Are people dropping flood insurance in Sussex County?
Yes. Single-family flood policies in force fell from 14,614 in 2019 to 12,915 in 2025, a drop of 1,699 homes (-12%).
What share of Sussex County flood policies are second homes?
52% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Worcester County, MD
Flood insurance on a typical single-family home here cost $418 a year in 2019. Last year it was $799. Over the same stretch, 1,840 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 45% of single-family flood policies in Worcester County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Ocean City21842 · single-family | $376 | $833 | +122% | -29% |
| Snow Hill21863 · all policies | $421 | $809 | +92% | -13% |
| Bishopville21813 · all policies | $484 | $797 | +65% | -13% |
| Berlin21811 · single-family | $421 | $753 | +79% | -22% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Worcester County ranks #2 of 26 counties in MD for the share of homeowners policies insurers declined to renew in 2023: 0.96%, up from 0.31% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $1,700 in 2018 and $1,766 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Bishopville | $1,946 | $2,004 | +3% | 0.62% | 67¢ |
| Ocean City | $1,873 | $1,954 | +4% | 0.41% | 13¢ |
| Berlin | $1,608 | $1,672 | +4% | 0.46% | 31¢ |
| Snow Hill | $1,373 | $1,437 | +5% | 0.65% | 11¢ |
Questions people ask
How much is flood insurance in Worcester County, MD?
The median federal flood premium on a single-family home was $799 in 2025, up from $418 in 2019 (+91%). Ocean City rose fastest at +122%.
Are people dropping flood insurance in Worcester County?
Yes. Single-family flood policies in force fell from 7,411 in 2019 to 5,571 in 2025, a drop of 1,840 homes (-25%).
What share of Worcester County flood policies are second homes?
45% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
Charleston County, SC
Flood insurance on a typical single-family home here cost $391 a year in 2019. Last year it was $723. Over the same stretch, 11,422 fewer homes carry it at all.
Water level is last year's median premium; the thin line is 2019. Same scale for every town, so the gauges compare.
A home like yours
Pick what matches and see what homes like it actually paid for federal flood insurance in 2025. This is the middle of real policies, not a quote, and not advice: only a licensed agent can price your house.
If your renewal just landed
The federal flood premium can rise at most 18% a year until it reaches the full risk-based rate. If yours jumped more than that, something else changed: coverage amount, a mapping change, a lapsed policy being re-rated, or a discount that fell off. Ask which.
The 18% cap is not a ceiling on the destination. The full-risk price is already set for your address; the cap only spreads the climb. Every 2025 number above is still on the way up.
Second homes are most of this market. 20% of single-family flood policies in Charleston County are not primary residences. That share is why the homeowners-insurance data (below) understates what the shore actually pays: it counts owner-occupied homes only.
Town by town
| Town | 2019 | 2025 | Change | Homes covered |
|---|---|---|---|---|
| Charleston29401 · single-family | $2,307 | $1,719 | -25% | -12% |
| Sullivan's Island29482 · single-family | $691 | $780 | +13% | -4% |
| James Island29412 · single-family | $466 | $771 | +65% | -18% |
| Isle of Palms29451 · single-family | $410 | $770 | +88% | -13% |
| Mount Pleasant29464 · single-family | $390 | $740 | +90% | -28% |
| Folly Beach29439 · single-family | $476 | $673 | +41% | -5% |
Median federal flood premium for single-family homes; towns with mostly condos and duplexes show all policies and say so. "Homes covered" is the change in single-family policies in force since 2019.
Compare two towns
Homeowners policies not renewed
Charleston County ranks #2 of 46 counties in SC for the share of homeowners policies insurers declined to renew in 2023: 3.97%, up from 0.45% in 2018. Insurers covering about two-thirds of the market reported this to the U.S. Senate Budget Committee.
Homeowners insurance, the part regulators can see
Average premium for owner-occupied homes with regular (admitted) carriers, from the federal ZIP-level release. Across these towns the average was $7,062 in 2018 and $8,080 in 2022. Treasury's own note on this file: it excludes FAIR Plan and surplus-lines policies, and single ZIP codes are statistically thin, so read town rows as direction, not precision. Where the average fell in the most expensive towns, that is not good news. It almost always means the costliest homes were dropped or pushed to carriers this data cannot see. The last column is what insurers paid out in claims per dollar of premium in 2022.
| Town | 2018 | 2022 | Change | Not renewed | Paid out |
|---|---|---|---|---|---|
| Charleston | $12,066 | $14,548 | +21% | 0.37% | 5¢ |
| Sullivan's Island | $11,075 | $13,528 | +22% | 0.50% | 6¢ |
| Isle of Palms | $7,142 | $7,957 | +11% | 1.95% | 13¢ |
| Folly Beach | $4,700 | $5,023 | +7% | 0.61% | 2¢ |
| Mount Pleasant | $4,218 | $4,198 | -0% | 9.41% | 13¢ |
| James Island | $3,169 | $3,227 | +2% | 13.94% | 16¢ |
Questions people ask
How much is flood insurance in Charleston County, SC?
The median federal flood premium on a single-family home was $723 in 2025, up from $391 in 2019 (+85%). Mount Pleasant rose fastest at +90%.
Are people dropping flood insurance in Charleston County?
Yes. Single-family flood policies in force fell from 56,283 in 2019 to 44,861 in 2025, a drop of 11,422 homes (-20%).
What share of Charleston County flood policies are second homes?
20% of single-family flood policies in 2025 were on homes that are not the owner's primary residence.
Where does this data come from?
FEMA's OpenFEMA NFIP policy dataset, which is policy-level and refreshed about monthly; county homeowners non-renewal rates released by the U.S. Senate Budget Committee; and the U.S. Treasury Federal Insurance Office ZIP-level homeowners data.
Work with this data
Realtors and brokers. A one-page insurability snapshot for a listing: flood cost for homes like it, the town trend, what to expect at renewal. Put it in the listing packet before the buyer's lender asks.
Insurance agencies. Be the agency shown to people looking at your ZIPs. We only list agencies that actually write coastal business.
Investors, lenders, condo boards. The county tables and the policy-level cuts behind them, as files or an API, plus custom pulls.
How this is built. Flood figures are from FEMA's OpenFEMA NFIP policy dataset: every policy, redacted, refreshed about monthly. We keep policies with a positive premium and a policy count of one and report single-family homes unless a town is mostly condos and duplexes, in which case all policies are shown and labeled. Premium is the federal flood premium before fees and surcharges. The current year is left out because it is partial.
Non-renewal rates are county-level data from 23 insurers (about 65% of the market) released by the U.S. Senate Budget Committee, 2018–2023. Homeowners premiums are the Treasury/NAIC ZIP-level release, 2018–2022, owner-occupied policies with admitted carriers.
High Water Index is a data publisher. It is not an insurance agency or producer, does not sell, solicit or negotiate insurance, and does not recommend carriers or policies. Figures are historical medians, not quotes. When you ask for quotes, your details go to licensed agencies that pay a flat fee not tied to any sale. Privacy.
Not here yet: FAIR Plan and surplus-lines volume by county, and which carriers will write a given address. Those are coming from state public-records requests and rate-filing archives.