Insurable Homes

North Carolina

Home insurance of last resort in Beaufort County, North Carolina

At 30 June 2026 the North Carolina FAIR Plan insured 3,524 residential risks in Beaufort County, down 1.1% from a year earlier, with $636.5 million of residential insured value. That is the 35th highest count among North Carolina's 100 counties.

FAIR Plan residential, 30 June 20263,524-1.1% in a year
Residential insured value$636.5 million
FAIR Plan commercial442
Mar 23: 3,4803,480Mar 23Jun 23: 3,500Sep 23: 3,550Dec 23: 3,516Dec 23Mar 24: 3,542Jun 24: 3,601Sep 24: 3,605Sep 24Dec 24: 3,569Mar 25: 3,558Jun 25: 3,562Jun 25Sep 25: 3,551Dec 25: 3,508Mar 26: 3,499Mar 26Jun 26: 3,5243,524Jun 26

NC FAIR Plan residential count in Beaufort County at each quarter end

Quarter by quarter

Quarter endResidential countResidential insured valueCommercial countTotal count
30 June 20263,524$636.5 million4423,966
31 March 20263,499$610.8 million4433,942
31 December 20253,508$593.5 million4593,967
30 September 20253,551$577.8 million4403,991
30 June 20253,562$559.2 million4464,008
31 March 20253,558$542.5 million4413,999
31 December 20243,569$526.0 million4394,008
30 September 20243,605$517.6 million4304,035
30 June 20243,601$501.4 million4294,030
31 March 20243,542$474.0 million3653,907
31 December 20233,516$451.0 million3423,858
30 September 20233,550$439.3 million3323,882
30 June 20233,500$423.8 million3143,814
31 March 20233,480$414.0 million3083,788

Coastal Property Insurance Pool (Beach Plan)

Beaufort County is one of the 18 coastal counties served by the state's beach and coastal pool. At 30 June 2026 the pool insured 8,497 residential risks here, up 2.2% from a year earlier.

Quarter endResidential countResidential insured valueCommercial count
30 June 20268,497$4.6 billion1,164
31 March 20268,450$4.5 billion1,170
31 December 20258,437$4.4 billion1,179
30 September 20258,418$4.3 billion1,184
30 June 20258,315$4.1 billion1,215
31 March 20258,229$4.0 billion1,180
31 December 20248,174$3.9 billion1,208
30 September 20248,020$3.7 billion1,182
30 June 20247,850$3.5 billion1,119
31 March 20247,602$3.3 billion1,132
31 December 20237,400$3.1 billion1,232
30 September 20237,244$2.9 billion1,153
30 June 20237,063$2.8 billion1,131
31 March 20236,918$2.6 billion1,114

Nonrenewals, 2018 to 2023

From the Senate Budget Committee's insurer data. More on nonrenewals in Beaufort.

YearNonrenewalsPolicies in forceNonrenewal rateNorth Carolina rate
20231942,8466.82%1.79%
2022202,9050.69%0.91%
2021142,8680.49%0.78%
2020302,8971.04%1.05%
2019253,0080.83%1.15%
2018483,1201.54%2.07%
How to read this. Counts are the pools' published counts of insured risks, which are close to but not always the same as policies. Insured value is the pools' aggregate liability for buildings and contents. A rising count can mean fewer private insurers writing in the area, but the pools do not say why owners joined.

Sources

  1. North Carolina Joint Underwriting Association (NC FAIR Plan), Quarterly financial statements, Aggregate Liability by Counties
  2. North Carolina Insurance Underwriting Association (Coastal Property Insurance Pool), Quarterly financial statements, Aggregate Liability by Counties
  3. US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)

Checked 29 October 2026. Figures are reproduced as published and are not adjusted.