How Much Is Home Insurance in Coastal North Carolina?

By county

By town

Why homes near the coast cost more

• A second policy for wind. Near the coast many insurers exclude wind and hail, so the home also needs a wind policy, usually from the Beach Plan. When a home has one, the totals above include it.
• Named storm deductibles. Coastal policies often carry a percentage deductible for named storms instead of a flat dollar amount.
• Distance from the water. Inland towns like Jacksonville ($2,277) and Leland ($2,437) pay well below beach towns.
• Flood is separate. Flood is never part of a homeowners policy. Our New Hanover County clients who carry flood pay a typical $824 a year for it.

Flood insurance by town

A homeowners policy never covers flood, and storm surge and rising water are flood. Our homeowner clients who carry flood with us pay a typical $767 a year for it. We write flood insurance through the National Flood Insurance Program and private flood companies.

Flood policies written through Sizemore Insurance for owner-occupied homes, as of October 9, 2026. Flood is priced by the home's elevation and flood zone, so ask for your own quote.

Condos, rentals and renters

Where these numbers come from

These numbers come from our own clients. They are not a survey, a national average or an online estimate. They are the premiums Sizemore Insurance homeowners actually pay, taken from the in-force policies we write and service, more than 7,000 owner-occupied homes and more than 10,000 insured properties across Coastal North Carolina, as of October 9, 2026.

• In-force homeowners policies (HO-3 and HO-5) for owner-occupied homes written through Sizemore Insurance, as of October 9, 2026.
• Homes insured for $250,000 to $400,000 of dwelling coverage, so towns compare on the same kind of home.
• Premiums are totaled per home: the homeowners policy plus a Beach Plan wind policy when the home has both.
• Typical means the median. No insurance company names and no individual policies.
• Updated every quarter.

Common questions

How much is home insurance in Wilmington, NC?

For a home insured for $250,000 to $400,000, our Wilmington clients pay a typical $3,832 a year, including a Beach Plan wind policy when the home has one.

How much is home insurance in Brunswick County, NC?

For a home insured for $250,000 to $400,000, our Brunswick County clients pay a typical $2,668 a year.

Why is home insurance more expensive on the North Carolina coast?

Wind. Near the coast many insurers exclude wind and hail, so the home also needs a wind policy, usually from the Beach Plan. When a home has one, the totals here include it.

Does the typical premium include flood insurance?

No. Flood is always a separate policy. Our New Hanover County clients who carry flood pay a typical $824 a year for it.

How much is flood insurance in Wilmington, NC?

Our Wilmington homeowner clients who carry flood pay a typical $853 a year for it. A homeowners policy never covers flood, so it always needs its own policy, priced by the home's elevation and flood zone.

Where do these home insurance numbers come from?

From our own clients. Sizemore Insurance took the premiums on the in-force policies we write and service, more than 7,000 owner-occupied homes in Coastal North Carolina as of October 9, 2026, and reports the typical (median) amount by town and county. It is not a survey or a national average. We update it every quarter.

How can I tell if I am paying too much?

Upload your declarations page with a quote request. An advisor compares your coverage and price across more than 100 insurance companies.