Home Insurance in Bolivia, North Carolina
Homes in Bolivia carry a median value of $290,000 - 17% lower than the Brunswick County median.
The typical home in Bolivia was built around 1978. About 24% of homes were built before 1960, about 21 points above Brunswick County's 3%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bolivia is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bolivia, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Bolivia are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bolivia, 78% of homes are primarily heated with electricity.
Brunswick County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
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 | $290,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)