The Coastal Property Insurance Pool, formerly called the Beach Plan, is North Carolina's market of last resort for property in the beach and coastal areas. It is run by the North Carolina Insurance Underwriting Association and writes wind and hail and homeowners policies in 18 coastal counties when the regular market won't.
Pick your town or county to see the typical yearly home insurance premium our own clients pay, from the policies we write and service.
| Dwelling coverage | Typical yearly premium |
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Typical means the median: half of policyholders pay less, half pay more. The headline number is for a home insured for $250,000 to $400,000; the table shows every size of home. Source: Sizemore Insurance clients' in-force policies as of October 9, 2026, not a survey or national average (how we got these numbers). Not a quote.
State law defines two zones. The coastal area is 18 counties: Beaufort, Brunswick, Camden, Carteret, Chowan, Craven, Currituck, Dare, Hyde, Jones, New Hanover, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Tyrrell and Washington. The beach area is the land south and east of the inland waterway from the South Carolina line to Beaufort Inlet, then the Outer Banks up to Virginia.
So Wilmington, Leland, Hampstead, Southport and Shallotte are all in the coastal area, while island towns and island sections such as Wrightsville Beach, Oak Island, Holden Beach and Topsail Island sit in the beach area.
In both the beach and coastal areas, the pool offers homeowners policies and separate windstorm and hail policies for dwellings, homes and commercial buildings. In the beach area only, it also offers dwelling fire, commercial fire and crime coverage.
Limits are set by the plans. The published limits include up to $1,000,000 on a residential building, with personal property capped at 40% of the building amount, and, for the pool, up to $4 million on a commercial building, capped at a $10 million aggregate.
Near the coast, many homeowners policies exclude wind. The Department of Insurance explains that you can then buy a separate wind and hail policy from the pool, as long as you keep an active primary policy with the wind exclusion from a licensed company. That means two policies, two bills and two deductibles, usually a percentage deductible on the wind side.
Neither policy covers flood. That takes a third policy.
No. It exists because hurricane exposure is concentrated, and some companies won't take on coastal wind. The pool is called the market of last resort because it's there when the regular market says no. Each year it's worth asking whether a regular company will now write the whole home, wind included, and we check that for our coastal clients.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.