Why Coastal Risk Is Increasing in North Carolina
Rising sea levels, heavier rainfall, and barrier island erosion increase exposure in communities such as Wilmington, Morehead City, and New Bern. Even when storms remain offshore, they often bring damaging tides and flooding to inland areas.
How Coastal Risk Affects Homeowners Insurance
Standard homeowners insurance excludes flood damage. Homeowners must obtain flood coverage separately. In many coastal counties, wind coverage is provided by the North Carolina Insurance Underwriting Association. Underwriters evaluate elevation, proximity to open water, and construction quality before approving coverage.
What to Do if Your Policy Is Not Renewed
Request the reason in writing, complete recommended repairs, and document improvements. If traditional carriers are unavailable, an experienced agent can access the Coastal Property Insurance Pool or private markets. Maintaining continuous coverage is key to protecting eligibility and controlling costs.
How to Strengthen a Home Against Coastal Hazards
- Install a wind-rated roof with hurricane straps or clips.
- Add impact windows or shutters.
- Elevate living areas and mechanical systems.
- Use wind-resistant siding and seal vents.
- Anchor decks and improve site drainage.
Community Preparedness and Prevention
Local officials manage evacuation routes and issue storm alerts. Homeowners should review plans annually and maintain an emergency kit with key documents. Community dune and drainage maintenance efforts strengthen neighborhood safety and recovery.
Staying Protected in a Changing Environment
Through mitigation, continuous insurance coverage, and cooperation with local programs, North Carolina homeowners can manage coastal exposure effectively and maintain resilient properties.