North Carolina
North Carolina FAIR Plan and Beach Plan by county
At 30 June 2026 North Carolina's FAIR Plan insured 294,027 residential risks statewide, up 4.9% from a year earlier, with $61.1 billion of insured value. The Coastal Property Insurance Pool, often called the Beach Plan, insured 255,676 residential risks in 18 coastal counties (up 0.7%), with $155.8 billion of insured value.
NC FAIR Plan residential count statewide at each quarter end
Coastal Property Insurance Pool residential count, 18 coastal counties, at each quarter end
All 100 counties, 30 June 2026
| County | FAIR Plan residential | 1 year | Insured value | Beach Plan residential |
|---|---|---|---|---|
| Brunswick | 10,912 | +1.2% | $1.9 billion | 46,521 |
| Robeson | 9,392 | +1.0% | $1.1 billion | Not a coastal county |
| Wake | 9,349 | +10.2% | $3.4 billion | Not a coastal county |
| Guilford | 8,196 | +11.7% | $2.1 billion | Not a coastal county |
| New Hanover | 8,066 | +2.3% | $2.0 billion | 50,008 |
| Cumberland | 7,915 | +4.9% | $1.6 billion | Not a coastal county |
| Pitt | 7,614 | +1.9% | $1.4 billion | Not a coastal county |
| Onslow | 7,340 | -0.5% | $1.3 billion | 34,536 |
| Mecklenburg | 6,992 | +11.7% | $2.2 billion | Not a coastal county |
| Johnston | 6,441 | +4.4% | $1.2 billion | Not a coastal county |
| Wayne | 6,280 | +2.3% | $991.6 million | Not a coastal county |
| Carteret | 5,965 | -0.5% | $1.2 billion | 27,021 |
| Forsyth | 5,923 | +11.6% | $1.5 billion | Not a coastal county |
| Nash | 4,989 | +3.2% | $980.2 million | Not a coastal county |
| Gaston | 4,962 | +8.3% | $1.1 billion | Not a coastal county |
| Lenoir | 4,873 | +0.6% | $715.1 million | Not a coastal county |
| Harnett | 4,727 | +7.5% | $867.8 million | Not a coastal county |
| Sampson | 4,685 | +1.7% | $736.7 million | Not a coastal county |
| Halifax | 4,659 | +0.1% | $643.1 million | Not a coastal county |
| Rockingham | 4,615 | +3.7% | $848.1 million | Not a coastal county |
| Davidson | 4,518 | +11.1% | $888.4 million | Not a coastal county |
| Rowan | 4,468 | +6.1% | $1.0 billion | Not a coastal county |
| Catawba | 4,390 | +8.0% | $1.0 billion | Not a coastal county |
| Wilson | 4,352 | +0.6% | $781.0 million | Not a coastal county |
| Iredell | 4,315 | +11.6% | $1.1 billion | Not a coastal county |
| Columbus | 4,305 | -2.9% | $589.0 million | Not a coastal county |
| Craven | 4,179 | +0.7% | $762.7 million | 18,581 |
| Cleveland | 4,163 | +7.8% | $844.8 million | Not a coastal county |
| Duplin | 4,144 | -0.7% | $688.8 million | Not a coastal county |
| Buncombe | 4,067 | +9.7% | $1.2 billion | Not a coastal county |
| Pender | 3,853 | +2.0% | $698.1 million | 15,591 |
| Alamance | 3,733 | +7.8% | $891.9 million | Not a coastal county |
| Durham | 3,713 | +13.9% | $1.3 billion | Not a coastal county |
| Randolph | 3,620 | +12.5% | $770.6 million | Not a coastal county |
| Beaufort | 3,524 | -1.1% | $636.5 million | 8,497 |
| Edgecombe | 3,521 | +3.2% | $578.3 million | Not a coastal county |
| Vance | 2,845 | -0.1% | $365.8 million | Not a coastal county |
| Burke | 2,799 | +7.3% | $575.2 million | Not a coastal county |
| Bladen | 2,763 | +3.0% | $330.7 million | Not a coastal county |
| Surry | 2,756 | +11.0% | $558.7 million | Not a coastal county |
| Wilkes | 2,740 | +5.4% | $503.9 million | Not a coastal county |
| Caldwell | 2,718 | +5.7% | $553.7 million | Not a coastal county |
| Richmond | 2,678 | +1.5% | $390.5 million | Not a coastal county |
| Union | 2,551 | +7.7% | $760.7 million | Not a coastal county |
| Cabarrus | 2,530 | +8.1% | $725.9 million | Not a coastal county |
| Rutherford | 2,503 | +6.2% | $546.2 million | Not a coastal county |
| Henderson | 2,429 | +11.7% | $670.2 million | Not a coastal county |
| Moore | 2,306 | +4.2% | $509.2 million | Not a coastal county |
| Lincoln | 2,292 | +8.5% | $513.2 million | Not a coastal county |
| Franklin | 2,245 | +3.8% | $425.8 million | Not a coastal county |
| Martin | 2,230 | +0.4% | $363.4 million | Not a coastal county |
| Pasquotank | 2,180 | -0.1% | $410.0 million | 5,964 |
| Hoke | 2,067 | +5.1% | $372.4 million | Not a coastal county |
| Montgomery | 1,965 | +2.2% | $283.9 million | Not a coastal county |
| Haywood | 1,953 | +8.4% | $522.2 million | Not a coastal county |
| Bertie | 1,833 | +4.0% | $261.8 million | Not a coastal county |
| Chatham | 1,821 | +7.2% | $431.4 million | Not a coastal county |
| Scotland | 1,798 | +5.5% | $269.6 million | Not a coastal county |
| Lee | 1,752 | +9.6% | $345.4 million | Not a coastal county |
| Hertford | 1,742 | +2.4% | $257.8 million | Not a coastal county |
| Person | 1,652 | +6.4% | $317.9 million | Not a coastal county |
| Granville | 1,629 | +9.1% | $339.5 million | Not a coastal county |
| Northampton | 1,625 | +3.6% | $260.6 million | Not a coastal county |
| McDowell | 1,620 | +8.7% | $334.5 million | Not a coastal county |
| Stanly | 1,617 | +3.4% | $384.9 million | Not a coastal county |
| Orange | 1,496 | +6.1% | $437.8 million | Not a coastal county |
| Greene | 1,437 | +1.8% | $203.8 million | Not a coastal county |
| Currituck | 1,381 | +1.0% | $303.1 million | 8,373 |
| Warren | 1,377 | +8.5% | $212.6 million | Not a coastal county |
| Stokes | 1,284 | +8.3% | $259.5 million | Not a coastal county |
| Alexander | 1,242 | +8.6% | $243.8 million | Not a coastal county |
| Watauga | 1,174 | +16.2% | $422.7 million | Not a coastal county |
| Yadkin | 1,165 | +9.5% | $198.7 million | Not a coastal county |
| Anson | 1,140 | +4.7% | $184.2 million | Not a coastal county |
| Jackson | 1,090 | +4.9% | $232.5 million | Not a coastal county |
| Gates | 1,049 | +1.9% | $213.6 million | Not a coastal county |
| Ashe | 1,040 | +11.0% | $216.5 million | Not a coastal county |
| Pamlico | 1,032 | +0.7% | $184.5 million | 3,114 |
| Washington | 1,015 | -2.9% | $142.6 million | 1,612 |
| Dare | 999 | +3.4% | $279.5 million | 24,092 |
| Caswell | 980 | +4.8% | $162.3 million | Not a coastal county |
| Macon | 966 | +4.2% | $235.9 million | Not a coastal county |
| Davie | 965 | +7.5% | $228.5 million | Not a coastal county |
| Yancey | 942 | +7.0% | $221.3 million | Not a coastal county |
| Perquimans | 865 | +5.0% | $176.4 million | 2,960 |
| Avery | 838 | +11.3% | $223.3 million | Not a coastal county |
| Swain | 828 | +8.9% | $226.2 million | Not a coastal county |
| Chowan | 792 | -1.0% | $169.2 million | 3,094 |
| Cherokee | 780 | +10.3% | $199.0 million | Not a coastal county |
| Mitchell | 746 | +10.0% | $159.4 million | Not a coastal county |
| Madison | 660 | +12.1% | $143.2 million | Not a coastal county |
| Transylvania | 634 | +11.8% | $185.5 million | Not a coastal county |
| Polk | 625 | +5.9% | $180.3 million | Not a coastal county |
| Jones | 615 | +5.7% | $97.3 million | 1,558 |
| Graham | 494 | +13.0% | $152.6 million | Not a coastal county |
| Clay | 424 | +2.7% | $106.2 million | Not a coastal county |
| Tyrrell | 424 | +1.9% | $68.4 million | 684 |
| Alleghany | 413 | +13.8% | $80.4 million | Not a coastal county |
| Hyde | 373 | +0.5% | $66.1 million | 1,471 |
| Camden | 343 | +3.0% | $72.3 million | 1,999 |
What these pools are. The NC Joint Underwriting Association (FAIR Plan) and the NC Insurance Underwriting Association (Coastal Property Insurance Pool) are statutory pools that insure property that private insurers will not cover on standard terms. Counts are insured risks as published. Every county figure here adds up to the pools' own published totals for every quarter.
Sources
- North Carolina Joint Underwriting Association (NC FAIR Plan), Quarterly financial statements, Aggregate Liability by Counties
- North Carolina Insurance Underwriting Association (Coastal Property Insurance Pool), Quarterly financial statements, Aggregate Liability by Counties
Checked 29 October 2026. Figures are reproduced as published and are not adjusted.