Insurance in Hampstead, NC
Home, auto, flood and business insurance for Hampstead and the Topsail area, from our office on US 17.
Hampstead is the largest community in Pender County, with 7,016 residents in the 2020 Census (US Census Bureau). It is unincorporated, so its floodplain rules and flood insurance discount come from Pender County (FEMA).
Hampstead sits along US 17 between Wilmington and the Topsail beaches, and the road itself is changing: NCDOT's 12.6 mile Hampstead Bypass is under construction (Port City Daily).
What makes Hampstead different for insurance
- Pender County is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- Pender County holds FEMA Community Rating System Class 7, worth a 15% discount on most NFIP flood policies, and that covers unincorporated Hampstead (FEMA).
- A gauge about 4 miles west-northwest of Hampstead measured 29.52 inches of rain from Hurricane Florence in 2018 (National Weather Service).
- In May 2021 the state and FEMA approved more than $6.5 million to buy out 31 repeatedly flooded properties in Pender County, including homes in Hampstead (NC Emergency Management).
- NCDOT shifted southbound US 17 traffic onto new bypass roadway on May 28, 2026, and the first segment from NC 210 to Sloop Point Loop Road is expected to open in late 2027 (Coastal Review).
- The full bypass is targeted for 2030, with the cost estimate up to $502 million (Port City Daily, WECT).
Home, auto, flood and life in Hampstead at a glance
Home insurance
Typical yearly cost with us: $3,843 for a home insured for $250,000 to $400,000, from our own Hampstead homeowner clients' in-force policies. See every town.
Hampstead homes are in Pender County's coastal area, so many carry a separate wind and hail policy with its own deductible (NCDOI). Homes near Topsail Sound and the marshes need a close look at elevation and flood. Qualifying roofs and construction can earn mitigation credits (NCDOI).
We always include wind and hail
Every home policy we place includes wind and hail. When the insurance company excludes wind, we write the wind coverage separately through the Beach Plan or another company, so you're never left without it.
What rental owners pay in Pender County
The typical yearly premium our own Pender County clients pay for rental and dwelling fire policies. See every town.
Distance to the water| Dwelling coverage | Typical yearly premium |
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Enter your premium to see how it compares.
Beachfront: within a quarter mile of the ocean. Near the water: within a mile of the ocean, a sound or the Intracoastal Waterway. Inland: more than a mile from the ocean and the sounds. Typical means the median: half of policyholders pay less, half pay more. Includes any separate Beach Plan wind policy. Source: Sizemore Insurance clients' in-force rental dwelling policies as of October 10, 2026, not a survey or national average (how we got these numbers). Not a quote.
Auto insurance
Typical yearly cost with us: $1,190 for one vehicle with comprehensive and collision coverage, from our own Hampstead drivers' in-force policies. Liability only costs less. See every town.
US 17 carries most Hampstead traffic, and bypass construction is shifting lanes through 2030 (WECT). Tickets and at-fault accidents add surcharges under the Safe Driver Incentive Plan (NCDOI). The state minimum is 50/100/50 for policies written or renewed on or after July 1, 2025 (NCDOI).
Flood insurance
Our Hampstead homeowner clients who carry flood with us pay a typical $714 a year for it.
Your homeowners policy does not cover flood (NCDOI). Hampstead gets Pender County's CRS Class 7 discount of 15% on most NFIP policies (FEMA).
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.
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Business insurance in Hampstead
Hampstead's growth along US 17 keeps contractors, landscapers and service businesses busy, and new subdivisions bring new HOAs. We write general liability, workers comp, commercial auto and association coverage.
Commercial insurance we place in Hampstead
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 Hampstead, NC?
Our own Hampstead homeowner clients pay a typical $3,843 a year for a home insured for $250,000 to $400,000, including a separate Beach Plan wind policy for the homes that have one. Your price depends on your home and the coverage you choose.
How much is car insurance in Hampstead?
Our Hampstead drivers pay a typical $1,190 a year for one vehicle with comprehensive and collision coverage. Liability only costs less. Your drivers, vehicles and record set your actual price.
Does Hampstead get a flood insurance discount?
Hampstead is unincorporated, so it falls under Pender County, which holds FEMA Community Rating System Class 7. That gives most NFIP flood policies a 15% discount.
When will the Hampstead Bypass be finished?
NCDOT expects the first segment, from NC 210 to Sloop Point Loop Road, to open in late 2027, with the full 12.6 mile bypass targeted for 2030.
Where is your Hampstead office?
Our Hampstead office is at 16406 US Hwy 17, Suite 6, open Monday to Friday, 8:00 AM to 5:00 PM. Call (910) 270-9111.
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; FEMA, CRS eligible communities, effective October 1, 2026; Port City Daily, Hampstead Bypass contract (Aug. 5, 2025); NC Insurance Underwriting Association, coastal county notice; NOAA National Weather Service Wilmington, Hurricane Florence; NCDPS, Pender County buyouts approved (May 26, 2021); Coastal Review, Hampstead Bypass segment opens (May 2026); WECT, Hampstead Bypass on track for 2030 (Feb. 24, 2026); NC Department of Insurance, Windstorm and Hail; NC Department of Insurance, Fortified Homes and Mitigation Credits; NC Department of Insurance, Safe Driver Incentive Plan; 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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