From the crystal-clear waters of the southern coast to the wild dunes of the Outer Banks, North Carolina offers some of the most beautiful and diverse coastal communities in the country. Whether you’re looking for a vacation home, a permanent residence, or an investment property, each beach town comes with its own charm—and its own insurance needs.
Wrightsville Beach
Just minutes from Wilmington, Wrightsville Beach is a favorite for year-round residents and vacationers alike. With its active boating community, boutique shops, and pristine beaches, it’s a sought-after spot for coastal living.
Carolina Beach
Known for its laid-back atmosphere and vibrant boardwalk, Carolina Beach combines family-friendly activities with a growing year-round population.
Kure Beach
Smaller and quieter than its neighbors, Kure Beach offers a slower pace, making it ideal for second homes and retirement properties.
Emerald Isle
Part of the Crystal Coast, Emerald Isle is famous for its calm waters and family-oriented vibe. Many properties here are used as vacation rentals, making specialized rental insurance a must.
Morehead City & Atlantic Beach
These twin coastal hubs balance fishing, boating, and beach access with thriving local dining scenes.
Outer Banks (OBX)
Stretching over 100 miles, the Outer Banks is home to towns like Nags Head, Kitty Hawk, Duck, and Hatteras. OBX properties face unique windstorm and flood risks due to their barrier island locations.
Living in—or owning property in—a North Carolina beach town often means higher exposure to:
Depending on your location, you may need:
At Sizemore Insurance, we:
We’re local, independent, and experienced with North Carolina’s coastal insurance market, so we understand both the beauty and the risks of beach-town living.