North Carolina Fair and Beach Plans

In 1969, the North Carolina General Assembly created the North Carolina FAIR Plan and the North Carolina Beach Plan.

The FAIR Plan was created to provide property owners in cities having a population of 10,000 or more with “Fair Access to Insurance Requirements” to encourage the improvement of properties in these areas of the state and to arrest the decline of properties within these areas. Under the FAIR Plan, a property owner cannot be denied coverage based upon the property’s location or other environmental factors.

The Beach Plan was created to aid North Carolina homeowners on the barrier islands adjacent to the Atlantic Ocean and has now expanded to offer coverage in 18 coastal counties. Due to the threat of catastrophic loss if a hurricane should strike the coast, insurance companies reduced the amount of business they were willing to write at the coast. The Beach Plan’s mission is to promote the growth, development and economic welfare of the beach areas of our state. The Beach and FAIR plans are administered by the North Carolina Joint Underwriting Association and North Carolina Insurance Underwriting Association, respectively.