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Flood insurance costs in ZIP 27968 (Rodanthe, NC)

Plain facts for homeowners in Rodanthe: what flood insurance costs here, which flood zones local policies are in, and how the area's home insurance compares.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 27968 at a glance

Four numbers most homeowners ask about first.

$1,114
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

335
Flood policies

Single-family NFIP policies that took effect in 2025.

84%
In A or V zones

Share of those policies for homes in FEMA's high-risk flood zones.

$1,292
County home premium

Typical Dare County ZIP in 2022 (Treasury, inflation-adjusted).

ZIP 27968 in numbers
$1,082
median flood policy cost (2025)
$241,770
average building coverage
$877
average flood policy (2022)
Rel. moderate
county FEMA risk rating

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

Treasury didn't publish homeowners figures for ZIP 27968. It only released ZIP codes with at least 10 reporting insurers and 50 policies in its data. For reference, the typical ZIP code in Dare County averaged $1,292 per policy in 2022.

Dare County, North Carolina and U.S. typical ZIP codes

Dare County overview

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
DareNorth CarolinaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 27968 in 2025 cost $1,114, based on 335 policies, compared with $877 in 2022. About 84% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

335 policies
A zones 72%X/B/C zones 16%V zones 13%

Natural hazards

FEMA National Risk Index for Dare County

FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Dare County are listed, as national percentiles (100 = highest).

All county hazards

Top county hazards

  • Hurricane98 · Relatively High
  • Lightning95 · Relatively High
  • Winter weather89 · Relatively High
  • Coastal flooding87 · Relatively High
  • Wildfire83 · Relatively Low

Other ZIP codes in Dare County

ZIP codes with their own page.

27915 Avon · $1,19127920 Buxton · $1,02827936 Frisco · $1,16027943 Hatteras · $1,29227948 Kill Devil Hills · $1,63427949 Kitty Hawk · $2,47727954 Manteo · $1,29327959 Nags Head · $1,92627972 Salvo · —

Practical next steps

Simple things homeowners in ZIP 27968 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.