Lowcountry NFIP flood insurance: Beaufort & Jasper counties
Built from FEMA's public OpenFEMA NFIP Redacted Policies v3 dataset. Refreshed 2026-10-16.
How to read this: each row in FEMA's data is one policy term, so counts are policy terms with an effective date in that year (roughly, active policies written or renewed that year). Premium is FEMA's
totalInsurancePremiumOfThePolicy and excludes federal fees and surcharges. Private flood policies are not included. FEMA redacts and may revise records.Policy terms by year
Average & median NFIP premium (USD)
Beaufort County
| Year | Policy terms | Avg premium | Median premium | Avg total cost (incl. fees) |
|---|---|---|---|---|
| 2016 | 51,358 | $769 | $379 | $1,053 |
| 2017 | 51,009 | $772 | $375 | $1,053 |
| 2018 | 51,166 | $777 | $358 | $1,055 |
| 2019 | 51,813 | $805 | $376 | $1,082 |
| 2020 | 57,980 | $807 | $395 | $1,102 |
| 2021 | 53,775 | $729 | $442 | $1,018 |
| 2022 | 51,069 | $754 | $507 | $1,055 |
| 2023 | 50,149 | $840 | $548 | $1,155 |
| 2024 | 48,623 | $939 | $611 | $1,274 |
| 2025 | 47,785 | $1,038 | $706 | $1,394 |
Jasper County
| Year | Policy terms | Avg premium | Median premium | Avg total cost (incl. fees) |
|---|---|---|---|---|
| 2016 | 1,338 | $522 | $348 | $699 |
| 2017 | 1,529 | $526 | $348 | $700 |
| 2018 | 1,740 | $521 | $348 | $691 |
| 2019 | 2,105 | $510 | $376 | $674 |
| 2020 | 2,143 | $490 | $395 | $660 |
| 2021 | 2,224 | $539 | $442 | $719 |
| 2022 | 2,252 | $575 | $518 | $775 |
| 2023 | 2,242 | $622 | $585 | $832 |
| 2024 | 2,199 | $682 | $614 | $904 |
| 2025 | 2,079 | $715 | $618 | $944 |
By community, 2025
Beaufort County
| NFIP community | Policy terms | Avg premium |
|---|---|---|
| BEAUFORT COUNTY* | 14,200 | $759 |
| HILTON HEAD ISLAND, TOWN OF | 13,156 | $1,450 |
| BLUFFTON, TOWN OF | 2,133 | $543 |
| BEAUFORT, CITY OF | 1,234 | $911 |
| PORT ROYAL, TOWN OF | 567 | $698 |
| HARDEEVILLE, CITY OF | 62 | $667 |
| JASPER COUNTY* | 16 | $794 |
| KIAWAH ISLAND, TOWN OF | 1 | $577 |
| LOCKHART TOWN OF | 1 | $858 |
| HYDE COUNTY* | 1 | $317 |
Jasper County
| NFIP community | Policy terms | Avg premium |
|---|---|---|
| HARDEEVILLE, CITY OF | 1,394 | $652 |
| JASPER COUNTY* | 600 | $850 |
| RIDGELAND, TOWN OF | 21 | $911 |
| BEAUFORT COUNTY* | 6 | $1,394 |
| YEMASSEE, TOWN OF | 1 | $693 |
| MOUNT PLEASANT, TOWN OF | 1 | $388 |
Why older policies keep rising
Under FEMA's Risk Rating 2.0 pricing, most policies below their full-risk rate move up a "glide path": by law, most increases are capped at 18% a year for primary residences (25% for other policies) until the full-risk rate is reached. FEMA explainer.