Insurance in Pender County, NC
Home, auto, flood and business insurance across Pender County, from Hampstead and Topsail to Burgaw and Rocky Point.
Pender County counted 60,203 residents in the 2020 Census (US Census Bureau), and Burgaw is the county seat, home of the North Carolina Blueberry Festival (Visit Pender).
Pender has two flood stories. The east side faces Topsail Sound and the Topsail Island beaches; the west side is cut by the Northeast Cape Fear and Black rivers (NOAA). Both matter for what you pay.
Towns we serve in Pender County
Hampstead, Burgaw, Surf City, Topsail Beach, Rocky Point. Our advisors write home, auto, flood and business insurance in every one of them.
What makes Pender County 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 CRS Class 7, a 15% NFIP discount, and Topsail Beach holds Class 6 for 20%; Surf City is not on the current list (FEMA).
- The Northeast Cape Fear River near Burgaw crested at a record 25.58 feet on September 19, 2018, after Florence; major flood stage there is 16 feet (NOAA).
- By December 2018, Pender County residents had filed more than 1,200 NFIP claims after Florence, with about $55.3 million paid (FEMA).
- The Riverbend neighborhood in Burgaw lost all but two of its homes to Florence flooding, even though many were raised on stilts (WECT).
- Visitors spent $203.08 million in Pender County in 2025, supporting 1,051 tourism jobs (Visit NC).
Home, auto, flood and life in Pender County at a glance
Home insurance
Typical yearly cost with us: $3,302 for a home insured for $250,000 to $400,000, from our own Pender County homeowner clients' in-force policies. See every town.
Pender homes near the sound and on Topsail carry beach and coastal wind exposure, often with a separate wind policy and deductible (NCDOI). Inland homes near the rivers carry their own risk: river flooding. Mitigation credits can help on the wind side (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.
Home insurance in North Carolina
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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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: $1,134 for one vehicle with comprehensive and collision coverage, from our own Pender County drivers' in-force policies. Liability only costs less. See every town.
I-40 crosses the western side of the county and US 17 carries coast traffic through Hampstead, where bypass construction runs through 2030 (WECT). North Carolina requires liability and uninsured motorist coverage (NCDOI), with 50/100/50 minimum limits (NCDOI).
Auto insurance in North Carolina
Flood insurance
Our Pender County homeowner clients who carry flood with us pay a typical $765 a year for it.
Homeowners policies do not cover flood (NCDOI). In Pender, river flooding hit homes far from the beach in Florence, Floyd and Matthew (NOAA, National Weather Service).
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 Pender County
Topsail tourism and inland farming are both big parts of the Pender economy (Visit NC, Visit Pender). We insure contractors, landscapers, restaurants, farms with commercial needs, and HOAs.
Commercial insurance we place in Pender 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 Pender County?
Our own Pender County homeowner clients pay a typical $3,302 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.
How much is car insurance in Pender County?
Our Pender County drivers pay a typical $1,134 a year for one vehicle with comprehensive and collision coverage. Liability only costs less.
How much is flood insurance in Pender County?
Our Pender County homeowner clients who carry flood with us pay a typical $765 a year for it. Homes near the Northeast Cape Fear River and the sound face different flood risks, so we price each one on its own.
Do inland Pender County homes need flood insurance?
River flooding is a real risk inland. The Northeast Cape Fear near Burgaw set a record crest after Florence, and Pender residents filed more than 1,200 NFIP claims. Homeowners policies do not cover flood.
Which office serves Pender County?
Our Hampstead office serves Pender County. It 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; Visit Pender, blueberry farming in Pender County; NOAA, Northeast Cape Fear River near Burgaw gauge; NC Insurance Underwriting Association, coastal county notice; FEMA, CRS eligible communities, effective October 1, 2026; FEMA, Pender County at a glance; WECT, Burgaw neighborhood after Florence (Oct. 3, 2018); Visit NC, 2025 county visitor spending; NC Department of Insurance, Windstorm and Hail; NC Department of Insurance, Fortified Homes and Mitigation Credits; WECT, Hampstead Bypass on track for 2030 (Feb. 24, 2026); 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; NOAA National Weather Service Wilmington, Hurricane Floyd. 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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