Insurable Homes

North Carolina

Home insurance of last resort in Pender County, North Carolina

At 30 June 2026 the North Carolina FAIR Plan insured 3,853 residential risks in Pender County, up 2.0% from a year earlier, with $698.1 million of residential insured value. That is the 31st highest count among North Carolina's 100 counties.

FAIR Plan residential, 30 June 20263,853+2.0% in a year
Residential insured value$698.1 million
FAIR Plan commercial359
Mar 23: 3,6383,638Mar 23Jun 23: 3,676Sep 23: 3,726Dec 23: 3,704Dec 23Mar 24: 3,671Jun 24: 3,707Sep 24: 3,775Sep 24Dec 24: 3,754Mar 25: 3,747Jun 25: 3,776Jun 25Sep 25: 3,781Dec 25: 3,816Mar 26: 3,789Mar 26Jun 26: 3,8533,853Jun 26

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

Quarter by quarter

Quarter endResidential countResidential insured valueCommercial countTotal count
30 June 20263,853$698.1 million3594,212
31 March 20263,789$670.0 million3514,140
31 December 20253,816$657.4 million3294,145
30 September 20253,781$641.8 million3364,117
30 June 20253,776$618.3 million3264,102
31 March 20253,747$596.7 million3154,062
31 December 20243,754$581.7 million2884,042
30 September 20243,775$570.1 million3114,086
30 June 20243,707$539.4 million3144,021
31 March 20243,671$518.4 million3053,976
31 December 20233,704$503.9 million2823,986
30 September 20233,726$489.3 million2794,005
30 June 20233,676$464.8 million2363,912
31 March 20233,638$443.8 million2243,862

Coastal Property Insurance Pool (Beach Plan)

Pender County is one of the 18 coastal counties served by the state's beach and coastal pool. At 30 June 2026 the pool insured 15,591 residential risks here, up 1.1% from a year earlier.

Quarter endResidential countResidential insured valueCommercial count
30 June 202615,591$9.9 billion1,156
31 March 202615,707$9.8 billion1,198
31 December 202515,653$9.6 billion1,233
30 September 202515,624$9.4 billion1,245
30 June 202515,418$9.1 billion1,283
31 March 202515,203$8.8 billion1,305
31 December 202414,997$8.5 billion1,264
30 September 202414,812$8.2 billion1,258
30 June 202414,472$7.8 billion1,252
31 March 202413,945$7.2 billion1,225
31 December 202313,638$6.9 billion1,172
30 September 202313,405$6.5 billion1,175
30 June 202312,894$6.0 billion1,116
31 March 202312,269$5.5 billion1,094

Nonrenewals, 2018 to 2023

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

YearNonrenewalsPolicies in forceNonrenewal rateNorth Carolina rate
20231494,4223.37%1.79%
2022264,1990.62%0.91%
2021223,6310.61%0.78%
2020193,4800.55%1.05%
2019613,7091.64%1.15%
2018593,7351.58%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.