Home, Wind & Hail & Flood Insurance in Wilmington, NC
Local, independent coverage for Wilmington and New Hanover County homeowners and drivers.
NC Coastal Insurance is based right here in Wilmington, on River Road along the Cape Fear. We are an independent agency, which means we shop multiple carriers to fit your home, your budget, and the specific risks of living on the southeastern North Carolina coast. From the historic downtown district to Landfall, Ogden, Monkey Junction, Midtown, and out toward Masonboro and the Wrightsville Beach area, we know Wilmington neighborhoods and what it takes to insure a home here.
Homeowners insurance in Wilmington
Wilmington homes range from century-old houses downtown to new construction inland, and each carries different considerations for coverage and rebuilding cost. A good policy starts with the right dwelling limit for today's construction prices. Learn more on our homeowners insurance page, and we will tailor it to your home.
Wind and hail coverage for the coast
Sitting between the Cape Fear River and the Atlantic, Wilmington and New Hanover County take the brunt of coastal windstorms, and wind and hail is often the most important, and most expensive, part of a local policy. Many carriers exclude windstorm, so it is written separately, sometimes through the NC Beach Plan. Start with our Wind and Hail page or the full coastal wind and hail guide.
Flood risk in Wilmington
Between river flooding along the Cape Fear, tidal creeks, and heavy tropical rain, flooding is a real concern across Wilmington, and not only near the water. Flood is always a separate policy from your homeowners and wind coverage. If you are not sure how your address is mapped, our flood zones guide and flood insurance page can help.
Auto and more
We also write auto insurance for Wilmington drivers, along with umbrella and other coverage, so you can keep everything with one local agency that knows you.
Why a local Wilmington agency
We live and work where you do. When a storm is in the forecast or you have a claim, you are talking to people who understand New Hanover County, not a call center in another state. We are members of the Independent Insurance Agents of North Carolina and Trusted Choice.
Frequently asked questions
Does NC Coastal Insurance serve all of Wilmington and New Hanover County?
Yes. We are based in Wilmington and serve the whole city and county, along with the surrounding coastal counties.
Do I need separate wind and flood coverage in Wilmington?
For most Wilmington homes, yes. Wind and hail is often excluded from the base policy and written separately, and flood is always its own policy. We can put all three in place together.
Is flood insurance required in Wilmington?
It depends on your flood zone and lender. In higher-risk zones a federally backed mortgage usually requires it, and it is worth considering anywhere in Wilmington because flooding is not limited to the highest-risk areas.
Why is wind and hail coverage often separate on Wilmington homes?
Because of the coastal storm risk, many carriers exclude windstorm from the base homeowners policy. It is then written separately, sometimes through the NC Beach Plan, so your home stays protected against hurricanes and wind.
Can you insure older or historic homes in downtown Wilmington?
Yes. Older and historic homes have unique rebuilding and coverage considerations, and as an independent agency we can match them to carriers comfortable writing them. Call us to review your specific home.
How do I get a quote for my Wilmington home?
Call us at (910) 591-1010 or request a free review, and we will compare carriers for you.
