10,500+ Nationwide homeowners’ policies in NC dropped, including some on OBX

By on September 27, 2023

By: Julia Varnier | WTKR
This story is brought to you through our news gathering partnership with WTKR News 3.

A beach house that collapsed along North Carolina’s Outer Banks rest in the water on Tuesday, May 10, 2022, in Rodanthe, N.C. (File photo: Cape Hatteras National Seashore)

NORTH CAROLINA — Nationwide will not renew homeowners insurance policies for 10,525 households in North Carolina, more than half of them due to hurricane risks, according to Jason Tyson, NCDOI communications director for the North Carolina Department of Insurance (NCDOI).

The majority are in the eastern part of the state, however, more than 1,000 of the nonrenewals are on the Outer Banks, with 838 in Dare County, 220 in Currituck County and 52 in Hyde County, according to information provided by Tyson.

Nationwide notified the NCDOI in February 2023 that it would not be renewing 10,525 personal lines policies, which is 4.4% of its 237,652 North Carolina policies and 1.7% of its 621,705 policies across the country, Tyson confirmed to News 3. He said that 5,781 policies will be nonrenewed based on the “hurricane hazard assessment tool,” and 4,744 policies will be nonrenewed for referral to the North Carolina Insurance Underwriting Association, commonly called the Beach Plan.

Nationwide’s statement to NCDOI explained its decision was to “assess and rebalance its portfolio based on risk,” according to Tyson. The company considered climate severity, weather-related losses and the reinsurance market.

“Consequently, underwriting renewal guidelines were refined, and specific actions were necessary for a small percentage of the company’s business,” Tyson confirmed. He noted that policies being nonrenewed could potentially be rewritten with Nationwide “if wind exposure is ceded to the North Carolina Insurance Underwriting Association and current underwriting guidelines are met.

By contract, if a policy is being nonrenewed, 30 days’ notice is required, according to Tyson.

News 3 has reached out to Nationwide for comment, and we will update this article once they respond.

Tyson provided the table below listing the different counties versus the number of properties being affected by the nonrenewal.

County Policy Count
Beaufort 478
Bertie 20
Bladen 351
Brunswick 127
Camden 111
Carteret 75
Chowan 207
Columbus 258
Craven 938
Cumberland 283
Currituck 220
Dare 838
Duplin 425
Forsyth 1
Greene 233
Haywood 1
Hyde 52
Johnston 16
Jones 95
Lenoir 783
Mecklenburg 1
New Hanover 89
Onslow 592
Pamlico 70
Pasquotank 413
Pender 57
Perquimans 172
Pitt 1,324
Robeson 644
Rutherford 1
Sampson 419
Tyrrell 21
Wake 1
Washington 187
Wayne 931
Wilson 91


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Barnhill Contracting Company will receive sealed proposals for Manns Harbor – EMS/Fire Facility (EMS-8), Kitty Hawk – EMS/Fire Facility (EMS-9), Manteo – Youth Center on January 09, 2024. Times to be given on via addendum #01. See the following SCOPE OF WORK: BP 100 – General Trades, BP 105 – Final Cleaning, BP 205 – Demolition, BP 390 – Turnkey Concrete, BP 400 – Turnkey Masonry, BP 500 – Turnkey Structural Steel & Misc. Steel, BP 505 – Light Gauge Metal Trusses, BP 740 – Roofing, BP750 – Siding, BP 790 – Caulking/Sealants, BP 800 – Turnkey Doors/Frames/Hardware/Toilet Specialties/Accessories/Division 10, BP 840 – Curtainwall/Storefront/Glass/Glazing, BP 925 – Drywall/Framing, BP 960 – Resilient Flooring/Carpet/Base/Epoxy, BP 980 – Acoustical Ceilings, BP 990 – Painting and Wall Coverings, BP 1230 – Finish Carpentry and Casework, BP 1250 – Window Treatments, BP 2100 – Fire Protection, BP 2200 – Plumbing, BP 2300 – HVAC, BP 2600 – Electrical, BP 3100 – Earthwork/Turnkey Site, BP 3213- Site Concrete, BP 3290 – Landscaping. Scopes of work may be added and/or deleted at the discretion of the Construction Manager.

Bid Location and Time: Bid opening will be held in the Barnhill Contracting Rocky Mount Training & GPS Technology Room: 800 Tiffany Bvld, Rocky Mount, NC 27804. Time is as follows: January 09, 2024 at 10:00am and 2:00pm. Times per packages to be given on via addendum #01.

Barnhill Contracting Company will receive, open, and read publicly all bids received in person in the Training & GPS Technology Room at the main office and listed with the virtual viewing at the link to be posted on Barnhill’s Plan Room.

Bids will not be accepted from bidders that are not pre-qualified. No facsimile or email submissions are permitted. Sealed bids are to be hand delivered to the bid opening location noted above or mailed Sealed Bids can be delivered before 9:00am the day of the bid to the Barnhill Contracting Company Office at 800 Tiffany Blvd., Suite 200 Rocky Mount, NC 27804. Attention “Clint Hardison.”

The pre-bid meeting will be held in Person & Zoom Meeting on December 06, 2023 at 10:00 am at the Barnhill Contracting’s Rocky Mount Main Conference Room: 800 Tiffany Bvld, Rocky Mount, NC 27804.

The pre-bid meeting link can be located on Barnhill’s online Building Division Plan Room ( https://app.buildingconnected.com/public/54da832ce3edb5050017438b) and below. A preferred brand alternates meeting will be held via the same link at the end of the Prebid meeting.

Bid Documents can be viewed or downloaded through Barnhill’s online Building Division Plan Room (https://app.buildingconnected.com/public/54da832ce3edb5050017438b) after 12/04/2023.

All Bidders are strongly encouraged to include opportunities for HUB participation wherever possible in their respective Bid submission.  HUB participation is a part of this contract and must comply with all requirements set forth in the Bid Documents.

The Construction Manager and Owner reserve the right to add pre-qualified bidders. The Construction Manager and Owner reserve the right to reject any and all bids. Should you require additional direction, please call Barnhill Contracting Company, (Clint Hardison – 252-802-0740).

Clint Hardison is inviting you to a scheduled Zoom meeting.

Topic: Dare EMS – Phase 2 Pre-Bid Conference

Time: Dec 6, 2023 10:00 AM Eastern Time (US and Canada)

Join Zoom Meeting


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  • James

    I guess Nationwide isn’t on your side

    Wednesday, Sep 27 @ 1:56 pm
  • surf123

    No real surprise as other companies have already stopped offer full policies. I was booted out of USAA complete coverage policy in 2000 or so. There are two membership tiers with USAA: primary member (served in military) and secondary (not sure of the name) that are related to someone who served. Primary members kept full coverage and secondary kept coverage except for Wind & Hail. Expect a significant price increase for keeping Nationwide and obtaining Wind & Hail from NCJUA/NCIUA. When my policy switched it was a little more than double (regular policy went down and Wind & Hail was more than my original policy). I have heard but cannot confirm that NCJUA/NCIUA policies are significantly more because they cannot compete with traditional insurers. This makes no sense if they do not offer coverage. Anyone building a new home will want it to be Fortified Gold which will yield the lowest possible insurance costs and in some cases a traditional insurer might assume all of the risk.

    Wednesday, Sep 27 @ 2:41 pm
  • surf123

    Mark…the photo shown is not relevant other than it is showing a house that has been destroyed. It most certainly is a flood claim and possibly misleading to those not familiar with who covers what.

    Wednesday, Sep 27 @ 2:43 pm
  • Travis

    Home insurance is not much different than legalized gambling except the house ALWAYS wins and the deck is stacked against you, the player. And worse, most people are forced to play in the insurance casino. You can’t get a home loan without having insurance: if you lose insurance while you still have an outstanding loan the bank can call the loan. Meaning for most people, they’ll pay through the nose to have insurance because the alternative is so much worse.

    And the insurance casino is always open to players who aren’t likely to win many chips. Lightning strikes even the most fortunate sometimes and so the insurance casino will lose a little here and there. But if the odds shift too far in the player’s favor or if the loss is too big to cover, the casino conveniently closes its doors.

    It’s not a solution, but at a minimum the law should be changed to require a 12 month (or longer) notification for cancelation of policy. You can’t just pull the rug out from under a homeowner and expect them to land on their feet.

    Wednesday, Sep 27 @ 3:01 pm
  • Jim Bob

    My insurance just jumped over $500, $200 of which they said was because my “Insurance Score” went down. It went down because part of it is based on credit reports and I dared open a new credit card last winter… That I pay off in a full and has nothing to do with the insurance policy I’ve faithfully paid on time for 26 years.

    Thats all you need to know about how corrupt the insurance industry is.

    Wednesday, Sep 27 @ 4:06 pm
  • lemonshirt

    turned out to be a blessing in disguise. It prompted me to re-evaluate ALL my insurance needs. I ended up finding better home & auto coverage at a lower price.
    THANKS NATIONWIDE for abandoning me.

    Wednesday, Sep 27 @ 4:13 pm
  • Ed Graham

    The climate change deniers need only look at what is happening to the Outer Banks for proof of how wrong they are! They do not care because it is the problem of a “bunch of rich people at the beach”. When the streets and subways of New York City flood twice a day during high tide, maybe people will start getting serious about this problem.

    Thursday, Sep 28 @ 12:43 am
  • Fuarock

    USAA has been a joke since the 2000’s. I served 1992-1996 (plus my 4) and the rates have always been 2x higher than progressive. Most of the biggies including USAA wont’ underwrite you. 5 miles to the beach.

    Nobody will touch us here except the beach plan. And Only because it’s GOV subsidized.

    There will come a time, probably within the next decade, where you will have to self insure, or you will not have a loan on a piece of property in Dare County.

    Thursday, Sep 28 @ 3:56 am
  • Steven

    Why does everyone call the area OBnoXious? Cause that’s what it’s become with this demographic?

    Thursday, Sep 28 @ 11:52 am
  • Foreseen

    One of the variables was rising replacement cost. Since the oceanfront homes sizes have exploded this has directly impacted those futures dollars. With Dare County focus on tourism and out of county ownership of these rental properties permanent homeowners are being punished. There may come a time when there will be no permanent residents since they will be unable to afford the rising costs while others are padding their pockets. My wind coverage double since last year.

    Friday, Sep 29 @ 9:09 am
  • Steven

    Ed Graham, the erosion issues here have noting to do with any type of changing climate. Please remember that this is a barrier island, a geographical term, it behaves much differently from other land masses.

    Saturday, Sep 30 @ 7:07 am
  • Mark Goins

    Nationwide (and OBX builders) would well serve the OBX community by adopting a nationally recognized wind mitigation standard. Wind mitigation consists of construction methods that strengthen a home against severe storms, high winds, and wind-driven rain. FORTIFIED Home (TM), a standard developed by the Insurance Institute of Business and Home Safety (IBHS), is the mitigation standard adopted in the hurricane regions of Alabama and Louisiana that reduces the risk of damage to homes during storms and provides homeowners discounts to their wind insurance premium and deductible. I encourage Nationwide and the OBX building and insurance community to check it out @ http://www.fortifiedhome.org.

    Sunday, Oct 1 @ 6:53 am