Home Insurance in Bald Head Island, North Carolina
With a median home value of $1,367,200, Bald Head Island is 291% higher than the Brunswick County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bald Head Island was built around 2002. About 0% of homes were built before 1960, about 3 points below Brunswick County's 3%.
In Bald Head Island, the housing stock is 90% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Bald Head Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bald Head Island has an owner-occupancy rate of 98% and a vacancy rate of 91%; unoccupied homes typically need a different coverage form.
91% of homes in Bald Head Island are primarily heated with electricity.
What's the biggest home insurance risk near Bald Head Island? FEMA's National Risk Index points to hurricane (Very High) in Brunswick County and Brunswick County had 20,489 active NFIP flood policies as of September 2026. See the full Brunswick 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 | $1,367,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Brunswick County | 20,489 |
| 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)