Pender and Onslow Counties, North Carolina
Topsail Island
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Topsail Island is a 26 mile barrier island with three towns: Topsail Beach, Surf City, and North Topsail Beach. It is known for quiet beaches, small town feel, and easy reach from Hampstead.
Building on the island takes more planning than building inland. Homes sit on pilings, follow strict flood and wind rules, and often need a CAMA (coastal permit) review. We plan for these rules before design so there are no surprises later.
Each town on the island issues its own permits. See the town pages for details, and see the Longshore beach homes below.
Build facts
Lot types
Oceanfront, second row, and sound front lots
Flood and wind
Island lots often sit in a high risk flood zone and the highest wind design rating on our coast. We confirm the flood zone, the required floor height, and any CAMA (coastal permit) rules for your lot before design begins.
Permits
Town of Topsail Beach, Town of Surf City, or Town of North Topsail Beach, based on the lot
HOA and design review
Some island neighborhoods have an HOA. Rules vary by street.
