Insurance in Duplin County, NC
Home, auto, flood and business insurance for Wallace, Warsaw, Kenansville and the rest of Duplin County.
Duplin County counted 48,715 residents in the 2020 Census (US Census Bureau). Kenansville is the county seat, and the county was formed from New Hanover in 1750 (North Carolina History Project).
Duplin is farm country and inland, outside the coastal counties the Beach Plan serves (NCIUA). Its biggest weather risk is the Northeast Cape Fear River, which has set flood records in recent hurricanes.
Towns we serve in Duplin County
Kenansville, Wallace, Warsaw, Beulaville, Rose Hill. Our advisors write home, auto, flood and business insurance in every one of them.
What makes Duplin County different for insurance
- The Northeast Cape Fear River near Chinquapin crested at a record 25.77 feet on September 17, 2018, during Florence, beating Floyd's 1999 record; major flood stage there is 18 feet (NOAA).
- The Northeast Cape Fear near Beulaville reached 28.28 feet during Florence, more than 5 feet above major flood stage (NOAA).
- During Hurricane Floyd in 1999, about 60 square miles of Duplin County were under water (National Weather Service).
- In 2019 the state and FEMA approved more than $1.8 million to buy out 17 repeatedly flooded homes in Duplin County (NC Emergency Management).
- Duplin County does not appear on FEMA's October 2026 CRS list, and no Duplin town is listed, so NFIP policies here carry no community discount (FEMA).
- Duplin farms sold about $2.0 billion in products in 2022, with 93% from livestock and poultry (USDA).
Home, auto, flood and life in Duplin County at a glance
Home insurance
Typical yearly cost with us: $2,070 for a home insured for $250,000 to $400,000, from our own Duplin County homeowner clients' in-force policies. See every town.
Duplin is not a Beach Plan county, so wind is usually part of the regular homeowners policy (NCIUA). Rural homes bring their own questions: distance to a fire station, outbuildings, and farm use on the property. We compare more than 100 insurance companies for the right fit.
Home insurance in North Carolina
Auto insurance
Typical yearly cost with us in North Carolina: $1,166 for one vehicle with comprehensive and collision coverage, from our own North Carolina drivers' in-force policies. Liability only costs less. See every town.
I-40 runs north to south through Duplin, and many drivers cover long rural miles to Wallace, Warsaw or Wilmington. Liability and uninsured motorist coverage are required (NCDOI), and the minimum is 50/100/50 for policies written or renewed on or after July 1, 2025 (NCDOI).
Auto insurance in North Carolina
Flood insurance
Homeowners policies do not cover flood (NCDOI). In Duplin the flood risk is the river, not the ocean: Floyd put about 60 square miles of the county under water, and Florence set new records on the Northeast Cape Fear (National Weather Service, NOAA).
Flood insurance in North Carolina
Life insurance
Life insurance replaces your income, pays off a mortgage or covers final expenses for the people who count on you. We write term, whole and other fixed life insurance for families and business owners, and a licensed advisor compares insurance companies for you.
Business insurance in Duplin County
Agriculture drives Duplin, with $941 million in hog sales and $915 million in poultry and eggs in 2022 (USDA). We insure trucking firms, contractors and the businesses that serve farms.
Commercial insurance we place in Duplin County
Business owners policies (BOP) and general liability
Customer injuries and property damage claims. A BOP packages liability with property for eligible small businesses.
Get Quote NowCommercial property
Your building, equipment and inventory, including wind, named storm and ordinance or law coverage.
Get Quote NowWorkers' compensation
Coverage for employees hurt on the job, plus help with certificates and the year-end audit.
Get Quote NowEmployer's liability
Lawsuits over employee injuries that fall outside workers' compensation. It is usually part of the workers' compensation policy.
Get Quote NowProfessional liability (E&O)
Claims of errors or negligence in the advice or work you provide.
Get Quote NowProfessional offices
Dentists, lawyers, accountants and medical offices: office property, general liability, professional liability and workers' compensation together.
Get Quote NowShopping centers and strip malls
Retail buildings with several tenants: the buildings, parking lot liability, lost rent, wind and flood.
Get Quote NowLessor's risk only (LRO)
For owners who lease their building to a tenant: the building, lost rent and the owner's liability.
Get Quote NowTrucking
Owner-operators and fleets: commercial auto, cargo, physical damage and federal filings.
Get Quote NowContractors
General contractors and trades: general liability, workers' compensation, tools and equipment, and builders risk.
Get Quote NowRestaurants and bars
General liability, liquor liability, property, equipment and workers' compensation.
Get Quote NowHOAs and condo associations
Master policies, common areas, wind, flood and directors and officers liability.
Get Quote NowYour Local Office
Hampstead Office
16406 US Hwy 17, Suite 6, Hampstead, NC 28443
Phone: (910) 270-9111
Hours: Monday to Friday, 8:00 AM to 5:00 PM
Call the office and we will connect you with your advisor.
Get directions
Common Questions
How much is home insurance in Duplin County?
Our own Duplin County homeowner clients pay a typical $2,070 a year for a home insured for $250,000 to $400,000. Duplin is not a Beach Plan county, so wind is usually part of the regular homeowners policy.
Is Duplin County in a flood zone?
Parts of Duplin along the Northeast Cape Fear River and its creeks are mapped high-risk zones, and the river set record crests in Florence. You can check your address on the NC Flood Risk Information System. Homeowners policies do not cover flood.
Do Duplin County flood policies get a CRS discount?
No. Duplin County and its towns are not on FEMA's October 2026 Community Rating System list, so NFIP policies here carry no community discount. Private flood is priced by each insurance company, so we compare both.
Can Duplin County homes use the Beach Plan?
No. The Coastal Property Insurance Pool serves only the 18 coastal counties, and Duplin is not one of them. Homes here are written in the regular market or, as a last resort, the statewide FAIR Plan, and neither plan sells flood insurance.
Which Sizemore office is closest to Duplin County?
Our Hampstead office on US 17 is the closest to most of Duplin County. Call (910) 270-9111, or start a quote online.
Sizemore Insurance is an independent insurance company founded in North Carolina in 1977, with eight offices from Charlotte to the coast. Tell us about your home, your cars and your business, and a licensed advisor will compare more than 100 insurance companies to find the coverage that fits. Insurance made just for you.
Sources: US Census Bureau, 2020 Census redistricting data, North Carolina; North Carolina History Project, Duplin County; NC Insurance Underwriting Association, coastal county notice; NOAA, Northeast Cape Fear River near Chinquapin gauge; NOAA, Northeast Cape Fear River near Beulaville gauge; NOAA National Weather Service Wilmington, Hurricane Floyd; NCDPS, Duplin County buyouts approved (Sept. 26, 2019); FEMA, CRS eligible communities, effective October 1, 2026; USDA, 2022 Census of Agriculture, Duplin County profile; NCJUA and NCIUA, coverage and eligibility; NC Department of Insurance, Auto and Vehicle Insurance; NC Department of Insurance, auto rating changes effective July 1, 2025; NC Department of Insurance, Flood Insurance. Typical (median) premiums: Sizemore Insurance clients' in-force policies as of October 2026, not a survey or a quote.
Forms, exclusions, endorsements, and availability vary by insurance company. This page is general information, not a policy or legal advice. Review your own policy or talk to your advisor.
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