Firefighters used water pumped from the ocean to fight an overnight blaze at a house in a remote North Island coastal community.

Fire Service central communications shift manager Craig Dally said a two-storey home in Ngawi near Cape Palliser was completely destroyed after fire broke out at 12.20pm.

Firefighters used water from the ocean as well as a tanker from Carterton to douse the flames.

He said the home was engulfed by fire when crews arrived and could not be saved.

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Four fire crews remained at the property dampening down flare-ups.

Dally said investigators would travel to the southern Wairarapa settlement to determine the cause of the blaze.