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Home insurance & flood costs in ZIP 28786 (Waynesville, NC)

Plain facts for homeowners in Waynesville: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 28786 at a glance

Four numbers most homeowners ask about first.

$1,326
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,330
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.13%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.7%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 28786 in numbers
$11,468
average paid claim (2022)
+7%
premium change 2018–2022, after inflation
1.93%
cancelled by insurers mid-term (2022)
287
single-family NFIP policies (2025)

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

The average premium per policy in ZIP 28786 was $1,326 in 2022, about the same as the Haywood County typical ZIP ($1,317) and 15% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 7% between 2018 and 2022. About 2.7% of policies here had a paid claim in 2022, and insurers chose not to renew 1.13% of policies.

Haywood County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 28786HaywoodU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 28786 in 2025 cost $1,330, based on 287 policies, compared with $1,154 in 2022. About 86% 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

287 policies
A zones 86%X/B/C zones 14%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Haywood County

The chart shows the share of homeowners policies in ZIP 28786 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Haywood County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Landslide98 · Relatively High
  • Cold wave92 · Relatively High
  • Inland flooding84 · Relatively Moderate
  • Lightning79 · Relatively Moderate
  • Ice storm77 · Relatively Moderate

Other ZIP codes in Haywood County

Average premium per policy in 2022 (Treasury FIO).

28716 Canton · $1,15128721 Clyde · $1,25128751 Maggie Valley · $1,36328785 Waynesville · $1,307

Practical next steps

Simple things homeowners in ZIP 28786 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.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
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.