Insurable Homes

North Carolina

Home insurance of last resort in Onslow County, North Carolina

At 30 June 2026 the North Carolina FAIR Plan insured 7,340 residential risks in Onslow County, down 0.5% from a year earlier, with $1.3 billion of residential insured value. That is the 8th highest count among North Carolina's 100 counties.

FAIR Plan residential, 30 June 20267,340-0.5% in a year
Residential insured value$1.3 billion
FAIR Plan commercial1,209
Mar 23: 6,7076,707Mar 23Jun 23: 6,829Sep 23: 6,946Dec 23: 7,066Dec 23Mar 24: 7,097Jun 24: 7,131Sep 24: 7,285Sep 24Dec 24: 7,280Mar 25: 7,349Jun 25: 7,379Jun 25Sep 25: 7,393Dec 25: 7,387Mar 26: 7,451Mar 26Jun 26: 7,3407,340Jun 26

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

Quarter by quarter

Quarter endResidential countResidential insured valueCommercial countTotal count
30 June 20267,340$1.3 billion1,2098,549
31 March 20267,451$1.3 billion1,2508,701
31 December 20257,387$1.2 billion1,2318,618
30 September 20257,393$1.2 billion1,2588,651
30 June 20257,379$1.2 billion1,2068,585
31 March 20257,349$1.1 billion1,1678,516
31 December 20247,280$1.1 billion1,1288,408
30 September 20247,285$1.1 billion1,0998,384
30 June 20247,131$1.0 billion1,0528,183
31 March 20247,097$969.0 million9748,071
31 December 20237,066$932.2 million9358,001
30 September 20236,946$892.2 million9047,850
30 June 20236,829$835.8 million5997,428
31 March 20236,707$783.8 million5597,266

Coastal Property Insurance Pool (Beach Plan)

Onslow County is one of the 18 coastal counties served by the state's beach and coastal pool. At 30 June 2026 the pool insured 34,536 residential risks here, up 0.1% from a year earlier.

Quarter endResidential countResidential insured valueCommercial count
30 June 202634,536$17.3 billion2,171
31 March 202634,596$17.0 billion2,314
31 December 202534,706$16.8 billion2,324
30 September 202534,673$16.6 billion2,361
30 June 202534,487$16.2 billion2,367
31 March 202534,054$15.6 billion2,412
31 December 202433,710$15.2 billion2,479
30 September 202433,399$14.8 billion2,457
30 June 202432,948$14.2 billion2,400
31 March 202432,112$13.5 billion2,442
31 December 202331,580$13.0 billion2,439
30 September 202331,043$12.5 billion2,425
30 June 202330,172$11.8 billion2,358
31 March 202329,139$11.0 billion2,298

Nonrenewals, 2018 to 2023

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

YearNonrenewalsPolicies in forceNonrenewal rateNorth Carolina rate
202356313,2484.25%1.79%
202211111,4140.97%0.91%
2021689,4750.72%0.78%
2020558,5350.64%1.05%
20191469,1581.59%1.15%
20182379,6052.47%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.