Home Insurance in Elizabethtown, North Carolina
With a median home value of $159,200, Elizabethtown is 18% higher than the Bladen County median.
The typical home in Elizabethtown was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 3 points above Bladen County's 17%.
Housing in Elizabethtown breaks down to 76% single-family homes, 13% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 24% of owner-occupied homes in Elizabethtown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Elizabethtown are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Elizabethtown are primarily heated with electricity.
Bladen County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Bladen County had 189 active NFIP flood policies as of September 2026. See the full Bladen County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $159,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Bladen County | 189 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)