Here’s how much zip codes in Hilton Head, Bluffton, Beaufort County & more pay for flood insurance
As hurricane season progresses, with peak activity historically occurring through the fall months, many homeowners may be curious about how much flood insurance will cost to protect their homes.
While storms and their impacts can be unpredictable, data from the National Flood Insurance Program shows which areas pay the most for flood insurance and gives prospective residents an idea of which areas are most at risk.
How is this data calculated?
The NFIP calculates flood insurance rates based on ZIP code area exposure to weather variables, including inland floods, storm surges, tsunamis, the Great Lakes and coastal erosion.
Using data from single-family homes insurance policies, in force as of Aug. 31, 2023, the NFIP gauges the median policy cost on an annual basis.
What is the cost for areas in Beaufort County?
According to this data, the median cost of flood insurance across Beaufort County is $706, with 100% of flood insurance policies being exposed to inland flooding risks. On top of that, 99.9% of policies in the county face storm surge exposure and 8.1% face coastal erosion exposure.
Here’s how much ZIP codes, either partially or completely in Beaufort County, pay for flood insurance based on this most recent data from the NFIP.
1) 29901
- Area: Beaufort
- Median current cost of flood insurance: $1,050
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 0%
2) 29902
- Area: Beaufort
- Median current cost of flood insurance: $728
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 99.9%
- Percentage of policies with exposure to coastal erosion: 12%
3) 29906
- Area: Beaufort
- Median current cost of flood insurance: $644
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 8.2%
4) 29907
- Area: Beaufort, Lady’s Island, St. Helena
- Median current cost of flood insurance: $688
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 99.9%
- Percentage of policies with exposure to coastal erosion: 18.5%
5) 29909
- Area: Okatie, Bluffton
- Median current cost of flood insurance: $658
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 99.9%
- Percentage of policies with exposure to coastal erosion: 2.7%
6) 29910
- Area: Bluffton
- Median current cost of flood insurance: $609
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 99.7%
- Percentage of policies with exposure to coastal erosion: 3.3%
7) 29915
- Area: Daufuskie
- Median current cost of flood insurance: $799
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 13.2%
8) 29920
- Area: St. Helena Island, Fripp Island, Dataw Island, Frogmore
- Median current cost of flood insurance: $806
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 22.3%
9) 29925
- Area: Hilton Head
- Median current cost of flood insurance: $909
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 0%
10) 29926
- Area: Hilton Head
- Median current cost of flood insurance: $715
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 5.2%
11) 29928
- Area: Hilton Head
- Median current cost of flood insurance: $839
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 7.0%
12) 29935
- Area: Port Royal
- Median current cost of flood insurance: $744
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 6.9%
13) 29940
- Area: Seabrook
- Median current cost of flood insurance: $776
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 19.3%
14) 29941
- Area: Sheldon
- Median current cost of flood insurance: $907
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 16.8%
15) 29945
- Area: Yemassee
- Median current cost of flood insurance: $799
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 96.3%
- Percentage of policies with exposure to coastal erosion: 18.5%
How much do areas in Jasper & Hampton Counties pay?
The median cost of flood insurance across Jasper County is $693, with 100% of flood insurance policies being exposed to inland flooding risks. 96% of policies in Jasper County face storm surge exposure and 3.3% face coastal erosion exposure.
In Hampton County, the median current cost of flood insurance is $795, with 100% of policies exposed to inland flooding risks. 4.2% of policies are at risk of storm surge and 0% face coastal erosion risks.
Using this same data, here’s how much nearby ZIP codes in Jasper and Hampton Counties pay for flood insurance.
16) 29922
- Area: Garnett
- Median current cost of flood insurance: $817
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 71.4%
- Percentage of policies with exposure to coastal erosion: 0%
17) 29924
- Area: Hampton
- Median current cost of flood insurance: $883
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 0%
- Percentage of policies with exposure to coastal erosion: 0%
18) 29927
- Area: Hardeeville
- Median current cost of flood insurance: $779
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 100%
- Percentage of policies with exposure to coastal erosion: 0%
19) 29936
- Area: Ridgeland
- Median current cost of flood insurance: $733
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 73.3%
- Percentage of policies with exposure to coastal erosion: 12.2%
20) 29944
- Area: Varnville
- Median current cost of flood insurance: $538
- Percentage of policies with exposure to inland flooding: 100%
- Percentage of policies with exposure to storm surge: 0%
- Percentage of policies with exposure to coastal erosion: 0%
To view the entire study or see all ZIP codes listed in South Carolina, visit the NFIP’s Pricing Approach.
