Home Insurance in Brunswick County, North Carolina
Homes in Brunswick County carry a median value of $349,800 - 21% higher than the North Carolina median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brunswick County was built around 2002. About 3% of homes were built before 1960, about 11 points below North Carolina's 14%.
In Brunswick County, the housing stock is 74% single-family homes, 7% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brunswick County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Brunswick County are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 87% of homes in Brunswick County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), wildfire (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Brunswick County.
Brunswick County had 20,489 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $349,800 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 20,489 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bald Head Island
- Belville
- Bolivia
- Calabash
- Carolina Shores
- Caswell Beach
- Leland
- Navassa
- Northwest
- Oak Island
- Ocean Isle Beach
- Sandy Creek
- Shallotte
- St. James
- Sunset Beach
- Varnamtown
Smaller communities
-
Boiling Spring Lakes
- Median home value: $292,300
- Median year built: 1998
- Owner-occupied share: 82%
-
Holden Beach
- Median home value: $658,900
- Median year built: 1992
- Owner-occupied share: 95%
-
Southport
- Median home value: $437,700
- Median year built: 2003
- Owner-occupied share: 80%
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)