Insurance in New Hanover County, NC
Home, auto, flood and business insurance across New Hanover County, from Wilmington to Wrightsville, Carolina and Kure beaches.
New Hanover County had an estimated 245,959 residents in July 2025, up from an April 2020 base of 225,704 (US Census Bureau). Wilmington is the county seat (NCpedia).
The county is wedged between the Cape Fear River and the Atlantic, with beach towns on barrier islands across the Intracoastal Waterway. Almost every insurance question here comes back to water and wind.
Towns we serve in New Hanover County
Wilmington, Carolina Beach, Kure Beach, Wrightsville Beach, Castle Hayne, Ogden, Porters Neck. Our advisors write home, auto, flood and business insurance in every one of them.
What makes New Hanover County different for insurance
- New Hanover County is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage; land south and east of the inland waterway is the beach area (NCIUA).
- Unincorporated New Hanover County is a Class 7 community in FEMA's Community Rating System, worth 15% off eligible NFIP policies, and has taken part since 1991 (FEMA).
- Beach town CRS classes differ: Carolina Beach is Class 6 (20%), Wrightsville Beach Class 7 (15%) and Kure Beach Class 8 (10%, FEMA).
- Hurricane Florence made landfall at Wrightsville Beach at 7:15 AM on September 14, 2018, and gauges in the county measured up to 30.10 inches of rain (National Weather Service).
- Hurricane Fran in 1996 produced storm tides of up to 12 feet from Carolina Beach to Topsail Island and six feet of surge on Lake Park Boulevard in Carolina Beach (National Weather Service).
- The Port of Wilmington sits within 700 miles of more than 70% of the US industrial base (NC Ports).
Home, auto, flood and life in New Hanover County at a glance
Home insurance
Typical yearly cost with us: $3,773 for a home insured for $250,000 to $400,000, from our own New Hanover County homeowner clients' in-force policies. See every town.
In New Hanover County, where your home sits relative to the water shapes what you pay. Beach-area homes and many mainland homes carry a separate wind policy with its own deductible (NCDOI), and qualifying roofs can earn mitigation credits (NCDOI). Condo owners on the beaches need an HO-6 that fits their association's master policy.
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.
Home insurance in North Carolina
What rental owners pay in New Hanover County
The typical yearly premium our own New Hanover County clients pay for rental and dwelling fire policies. See every town.
Distance to the water| Dwelling coverage | Typical yearly premium |
|---|
Compare your premium
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: $1,194 for one vehicle with comprehensive and collision coverage, from our own New Hanover County drivers' in-force policies. Liability only costs less. See every town.
Drivers here share a handful of bridges and corridors, and Florence showed how fast they can close (National Weather Service). Under the Safe Driver Incentive Plan, a one-point ticket raises the rate 40% (NCDOI). 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
Our New Hanover County homeowner clients who carry flood with us pay a typical $824 a year for it.
Homeowners policies do not cover flood (NCDOI). Your NFIP discount depends on which community your home is in, from 20% in Carolina Beach to none inside the City of Wilmington (FEMA).
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.
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Business insurance in New Hanover County
The port, UNC Wilmington, healthcare, tourism and the trades drive the county economy (NC Ports, UNC Wilmington). Beach restaurants, rental owners and condo associations face the same wind and flood exposure as homeowners, plus business interruption.
Commercial insurance we place in New Hanover 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
Wilmington Oleander Office
4815 Oleander Dr, Ste 101, Wilmington, NC 28403
Phone: (910) 791-1011
Hours: Monday to Friday, 8:00 AM to 5:00 PM
Get directions
Midtown Wilmington Office
2508 Independence Blvd, Suite 200, Wilmington, NC 28412
Phone: (910) 791-5447
Hours: Monday to Friday, 9:00 AM to 5:00 PM
Team: Will Parham (Insurance Advisor)
Get directions
Porters Neck Office
8024 Market Street #4, Wilmington, NC 28411
Phone: (910) 686-2138
Hours: Monday to Friday, 8:00 AM to 5:00 PM
Team: James Riley (Insurance Advisor), Earl Oxendine (Insurance Advisor)
Get directions
Common Questions
How much is home insurance in New Hanover County?
Our own New Hanover County homeowner clients pay a typical $3,773 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. Where your home sits relative to the water matters most.
How much is car insurance in New Hanover County?
Our New Hanover County drivers pay a typical $1,194 a year for one vehicle with comprehensive and collision coverage. Liability only costs less.
How much is flood insurance in New Hanover County?
Our New Hanover County homeowner clients who carry flood with us pay a typical $824 a year for it. Your price depends on your home's elevation, distance to water and the coverage you choose.
Which New Hanover County towns get a flood insurance discount?
Carolina Beach gets 20%, Wrightsville Beach and unincorporated New Hanover County get 15%, and Kure Beach gets 10% under FEMA's Community Rating System. The City of Wilmington is not on the current list.
Where are your New Hanover County offices?
We have three in Wilmington: Oleander Drive, Independence Boulevard in Midtown, and Market Street in Porters Neck.
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, city and town population estimates, Vintage 2025; NCpedia, Wilmington; NC Insurance Underwriting Association, coastal county notice; FEMA, CRS eligible communities, effective October 1, 2026; NOAA National Weather Service Wilmington, Hurricane Florence; NOAA National Weather Service Wilmington, Hurricane Fran; NC Ports, Port of Wilmington; 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; UNC Wilmington, fall 2025 enrollment. 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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