North Carolina has 10,730,404 residents. We list 56 agencies for vacant land insurance in North Carolina. Here is what the local numbers say about the cover people here need.

North Carolina at a glance

56vacant land insurance agencies listed
33.4%of households rentRenters insurance
$288,900median home valueHome insurance
1991median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance
11%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across North Carolina

How many of North Carolina’s 100 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Ice storm35 of 100 counties
Very High in Forsyth County, Gaston County, Guilford County and 5 more.
Lightning30 of 100 counties
Very High in New Hanover County, Buncombe County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in North Carolina
Winter weather28 of 100 counties
Very High in Wayne County, Onslow County, Pitt County and 4 more.
Hurricane23 of 100 counties
Very High in Brunswick County, New Hanover County, Onslow County and 2 more.
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in North Carolina
Strong wind15 of 100 counties
Very High in Columbus County, Robeson County.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in North Carolina
Tornado11 of 100 counties
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in North Carolina

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in North Carolina How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Insurance companies North Carolina agencies work with

Of the 56 North Carolina agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

American Modern50 agencies
Travelers28 agencies
Liberty Mutual23 agencies
Progressive23 agencies
The Hartford22 agencies
Travelers (Standard Fire)21 agencies
Employers20 agencies
Nationwide20 agencies
Safeco19 agencies
Chubb18 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Vacant Land insurance in North Carolina

All insurance agencies in North Carolina · Vacant Land insurance in every state

Where can I find vacant land insurance in North Carolina?

Pick your city in the list on this page to see every agency there that offers vacant land insurance, or search by name or ZIP code.

What does vacant land insurance cover?

Liability cover for land you own but have not built on.

Which insurance companies do North Carolina agencies work with?

Among the 56 North Carolina agencies whose appointments we hold, the companies they are most often appointed with are American Modern (50), Travelers (28), Liberty Mutual (23), Progressive (23), The Hartford (22). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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