Insurance in Onslow County, NC
Home, auto, flood and business insurance for Jacksonville and the rest of Onslow County, from our nearby Hampstead office.
Onslow County counted 204,576 residents in the 2020 Census (US Census Bureau). Jacksonville is the county seat, and the county dates to 1734 (Onslow County).
Onslow is a military county. The Defense Department lists 38,778 active duty members at Camp Lejeune (Military OneSource), and MCAS New River sits four miles south of downtown Jacksonville (Military OneSource). Frequent moves, PCS orders and deployments change how families here buy insurance.
Towns we serve in Onslow County
Jacksonville, Swansboro, Richlands, Sneads Ferry, Holly Ridge, North Topsail Beach. Our advisors write home, auto, flood and business insurance in every one of them.
What makes Onslow County different for insurance
- Onslow County is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- Onslow County and the City of Jacksonville both hold FEMA CRS Class 8, a 10% NFIP discount, and North Topsail Beach holds Class 5 for 25% (FEMA).
- The New River near Gum Branch, above Jacksonville, crested at a record 25.76 feet during Florence on September 15, 2018 (NOAA).
- The National Weather Service in Newport named Jacksonville and North Topsail Beach among the hardest hit areas of Florence and recorded 34.00 inches of rain in Swansboro (National Weather Service).
- Holly Ridge grew from 4,171 residents in 2020 to an estimated 5,908 in July 2025, and the town grew up around the World War II post Camp Davis (Town of Holly Ridge).
- Visitors spent $414.74 million in Onslow County in 2025 (Visit NC).
Home, auto, flood and life in Onslow County at a glance
Home insurance
Typical yearly cost with us: $2,396 for a home insured for $250,000 to $400,000, from our own Onslow County homeowner clients' in-force policies. See every town.
Mainland homes around Jacksonville and island homes on North Topsail Beach face different risks. Island homes south and east of the inland waterway are in the pool's beach area (NCIUA) and often carry a separate wind policy with its own deductible (NCDOI). Military families who rent need renters coverage that moves with them.
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 Onslow County
The typical yearly premium our own Onslow 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: $1,027 for one vehicle with comprehensive and collision coverage, from our own Onslow County drivers' in-force policies. Liability only costs less. See every town.
US 17 and NC 24 are the main roads through Jacksonville, past MCAS New River and toward Camp Lejeune (Military OneSource). 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 Onslow County homeowner clients who carry flood with us pay a typical $722 a year for it.
Homeowners policies do not cover flood (NCDOI). The New River at Jacksonville rose above major flood stage in Florence (NOAA), so flood risk here is not limited to the beaches.
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 Onslow County
Onslow's economy leans on the bases, tourism and the contractors and service businesses that support them (Military OneSource, Visit NC). We write general liability, commercial auto, workers comp and landlord coverage.
Commercial insurance we place in Onslow 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 Onslow County?
Our own Onslow County homeowner clients pay a typical $2,396 a year for a home insured for $250,000 to $400,000. Your price depends on where your home sits, from Jacksonville to North Topsail Beach, and the coverage you choose.
How much is car insurance in Jacksonville and Onslow County?
Our Onslow County drivers pay a typical $1,027 a year for one vehicle with comprehensive and collision coverage. Liability only costs less.
How much is flood insurance in Onslow County?
Our Onslow County homeowner clients who carry flood with us pay a typical $722 a year for it. Your price depends on elevation, distance to the New River or the sound, and the coverage you choose.
Does Jacksonville get a flood insurance discount?
Yes. The City of Jacksonville and unincorporated Onslow County are FEMA CRS Class 8, worth 10% off eligible NFIP policies. North Topsail Beach is Class 5 for 25%.
Which Sizemore office serves Onslow County?
Our Hampstead office on US 17 is our closest office to Jacksonville. 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; Onslow County, history; Military OneSource, Camp Lejeune overview; Military OneSource, MCAS New River overview; NC Insurance Underwriting Association, coastal county notice; FEMA, CRS eligible communities, effective October 1, 2026; NOAA, New River near Gum Branch gauge; NOAA National Weather Service Newport, Fall 2018 newsletter; Town of Holly Ridge, history; Visit NC, 2025 county visitor spending; NC Department of Insurance, Windstorm and Hail; 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; NOAA, New River at Jacksonville gauge. 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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