1st, there is no such thing as hurricane insurance.
There is a beach policy which protects against fire and hazard damage and a flood policy from FEMA to cover rising water and a wind policy from the NC for wind damage.
There are some developments on the OBX where the individuals pay directly and some that don't require flood insurance but for the most part you will be covered by the HOA policy.
The most important thing for you is to find an agent with the experience to know what is covered and what is not covered.
To see all the beachfront condos on the OBX try this site.
http://www.outerbanksoceanfronthomesales.com/outer banks/oceanfront/oceanfront condos/