Insurance Costs on coast?? (Charlotte, Cape Carteret: oceanfront, houses, neighborhoods)

[rachaelb]

Hi there!

I moved from FL coast and inland, and am missing beach too much -- looking to move to NC coast or St Aug as I loved both areas. Wondering if insurance on houses is killing you guys in NC like it is in FL? Can anyone give me an idea of what it is running(non oceanfront houses) - just near beaches in and around the coastal areas?

Thanks for any general figures...

[seashellbelle]

Originally Posted by rachaelb

Hi there!

I moved from FL coast and inland, and am missing beach too much -- looking to move to NC coast or St Aug as I loved both areas. Wondering if insurance on houses is killing you guys in NC like it is in FL? Can anyone give me an idea of what it is running(non oceanfront houses) - just near beaches in and around the coastal areas?

Thanks for any general figures...

Your best bet is to contact several insurance companies to ascertain costs. Costs will vary depending on where you are looking. Also keep in mind that some areas have now been deemed to be in flood zones, after FEMA redid the flood maps, and although inexpensive, about $200 to $300 per year, it is something to consider. Once again, check with insurance companies. I would be happy to refer you to a reputable company, if you would like to DM me.
The Beach Plan insurance rate hikes are still in limbo I believe, several bills have been submitted to stop the increases, that were approved while Easley was Gov. He himself now is under heavy scrutiny as is his wife, and several land developers in the Charlotte area. It's dirty politics as usual, and I haven't heard where the Beach Plan is currently standing at this point. Anyone out there, have any updated news on the Beach Plan?
Let us know if we can help and welcome to the forum!

[rachaelb]

Thank you, those are great ideas!! This is why I love the forum -- everyone is SO helpful!!

Another, off this topic question -- I noticed when I went through the NC shore near Cape Carteret (I am not sure what beach exactly it was but it was on the island) that a lot of houses are built in lines from the beach instead of traditional neighborhoods. (not sure how to explain this exactly). Is there a NC beach that has the more traditional neighborhoods w/the sidewalks in front of the houses, or is this the way that most of the beaches were developed? Just wondering, thanks!