Home Insurance in Calabash, North Carolina
Homes in Calabash carry a median value of $253,200 - 28% lower than the Brunswick County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Calabash was built around 1995. About 3% of homes were built before 1960, in line with Brunswick County (3%).
In Calabash, the housing stock is 54% single-family homes, 21% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Calabash carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Calabash has an owner-occupancy rate of 70% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Calabash - 91% - are primarily heated with electricity.
Brunswick County had 20,489 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Brunswick County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $253,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)