Insurance in Shallotte, NC
Home, auto, flood and business insurance for Shallotte and the South Brunswick beaches, from our office on Main Street.
Shallotte sits in southern Brunswick County, inland from the beaches at Ocean Isle, Holden and Sunset. The Census Bureau estimates 5,335 people lived in town in July 2025, up about 27% from 2020 (US Census Bureau).
Hurricane Hazel's 1954 surge reached 18 feet at nearby Calabash (National Weather Service), and the beach towns south of Shallotte still face that kind of exposure. Insurance here has to account for the town and the coast.
What makes Shallotte different for insurance
- Shallotte grew from an April 2020 base of 4,197 residents to an estimated 5,335 in July 2025 (US Census Bureau).
- Brunswick County, which includes Shallotte, is one of the 18 coastal counties where the Coastal Property Insurance Pool writes wind and hail coverage (NCIUA).
- The Town of Shallotte posts preliminary floodplain maps and a hazard mitigation plan on its website and takes part in the state's Resilient Coastal Communities Program (Town of Shallotte).
- The Town of Shallotte does not appear on FEMA's October 2026 Community Rating System list, so NFIP policies in town do not carry a community discount (FEMA).
- A rain gauge in the Green Swamp, north of Shallotte, measured 27.40 inches during Hurricane Florence in 2018 (National Weather Service).
- Hurricane Hazel came ashore near the state line on October 15, 1954, as a Category 4 storm, and Brunswick County's coast took the brunt of it (National Weather Service).
Home, auto, flood and life in Shallotte at a glance
Home insurance
Typical yearly cost with us: $2,811 for a home insured for $250,000 to $400,000, from our own Shallotte homeowner clients' in-force policies. See every town.
Shallotte homes are in the coastal area, and many carry a separate wind policy with its own deductible (NCDOI). A newer roof and qualifying construction can earn mitigation credits (NCDOI). If you own a beach house at Ocean Isle or Holden too, we look at both together.
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 Shallotte
The typical yearly premium our own Shallotte 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: $1,264 for one vehicle with comprehensive and collision coverage, from our own Shallotte drivers' in-force policies. Liability only costs less. See every town.
Shallotte is where US 17 meets the roads to the South Brunswick beaches. Under North Carolina's Safe Driver Incentive Plan, a single one-point ticket raises the rate 40% (NCDOI). Liability and uninsured motorist coverage are both required (NCDOI).
Flood insurance
Our Brunswick County homeowner clients who carry flood with us pay a typical $718 a year for it.
Your homeowners policy does not cover flood (NCDOI). Shallotte is not a CRS community today, so NFIP pricing in town has no community discount (FEMA), which makes a private flood comparison worth running.
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 Shallotte
Shallotte serves the towns and beaches around it, and its businesses share their coastal exposure. We insure restaurants, retail, contractors and the landlords and HOAs that manage beach property.
Commercial insurance we place in Shallotte
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
Shallotte Office
4702 Main Street, Shallotte, NC 28470
Phone: (910) 754-4366
Hours: Monday to Friday, 8:30 AM to 5:00 PM
Team: Curt Pritchard (Insurance Advisor), Tracy Evans (Commercial Insurance Advisor)
Get directions
Common Questions
How much is home insurance in Shallotte, NC?
Our own Shallotte homeowner clients pay a typical $2,811 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 Shallotte?
Our Shallotte drivers pay a typical $1,264 a year for one vehicle with comprehensive and collision coverage. Liability only costs less. Your drivers, vehicles and record set your actual price.
Does Shallotte have a flood insurance discount?
The Town of Shallotte is not on FEMA's October 2026 Community Rating System list, so NFIP flood policies in town do not get a community discount. Private flood is priced by each insurance company, so we compare both.
Can I insure my Shallotte home and my beach house together?
Yes. We quote both through the same advisor and check whether a package or separate policies costs less. Beach homes south and east of the inland waterway are rated differently from homes in town.
Where is your Shallotte office?
Our Shallotte office is at 4702 Main Street, open Monday to Friday, 8:30 AM to 5:00 PM. Call (910) 754-4366.
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; NOAA National Weather Service Wilmington, Hurricane Hazel; NC Insurance Underwriting Association, coastal county notice; Town of Shallotte; FEMA, CRS eligible communities, effective October 1, 2026; NOAA National Weather Service Wilmington, Hurricane Florence; 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 and Vehicle Insurance; 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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