Home Insurance in Bladen County, North Carolina
Homes in Bladen County carry a median value of $135,100 - 53% lower than the North Carolina median.
The typical home in Bladen County was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 3 points above North Carolina's 14%.
The housing stock in Bladen County is 62% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Bladen County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Bladen County are owner-occupied.
Most homes in Bladen County - 75% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Bladen County's top hazards are strong wind (Relatively High), hurricane (Relatively High) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bladen County has 189 active NFIP flood policies on file.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $135,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 189 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)