Wind & Hail Insurance in Beaufort County, NC

Beaufort County sits in the heart of Eastern North Carolina's coastal wind territory. As one of the 18 counties eligible for the NCIUA wind pool, property owners in Washington, Bath, Belhaven, and throughout Beaufort County face unique insurance challenges. Harbor Insurance Agency, based right here in Eastern NC, helps Beaufort County residents find wind and hail coverage.

Beaufort County's Wind Risk

Beaufort County has experienced significant storm damage in recent years. Hurricane Florence (2018) brought devastating flooding and wind damage across the county. Hurricane Dorian (2019) followed with additional wind impacts. Depending on the carrier and policy, a standard homeowners policy here may exclude wind and hail.

NCIUA Wind Pool Coverage

The NCIUA (NC Insurance Underwriting Association), also called the Coastal Property Insurance Pool, provides wind and hail coverage for properties in the 18 coastal counties when private insurers decline the risk. Beaufort County property owners can apply through any licensed NC agent. Coverage includes wind and hail damage to the structure, with a named-storm deductible based on the dwelling coverage amount.

Rate Changes Affecting Beaufort County

The Rate Bureau requested an average 42.2% homeowners increase. Under the agreement signed by Commissioner Causey and the Rate Bureau, the average statewide base rate will increase by 7.5% on June 1, 2025, and 7.5% on June 1, 2026, with a maximum of 35% in any territory. The Rate Bureau requested a statewide overall dwelling increase of 68.3%; the initial 5% increase becomes effective on Oct. 1, 2026 and the second 5% increase becomes effective on Oct. 1, 2027. The settlement includes mitigation credits for consumers who invest in fortified homes and roofs. Working with an experienced agent helps you explore all available options and credits.

FORTIFIED Roof Program

The IBHS FORTIFIED program offers a path that can affect wind insurance premiums. Homes with FORTIFIED-certified roofs — featuring sealed roof decks, reinforced roof-to-wall connections, and impact-resistant materials — can qualify for premium credits on NCIUA policies. For Beaufort County homeowners facing rising rates, a FORTIFIED roof retrofit is one mitigation option Beaufort County homeowners review when facing rising rates.