Home Insurance in Carolina Shores, North Carolina
Homes in Carolina Shores carry a median value of $288,600 - 17% lower than the Brunswick County median.
The typical home in Carolina Shores was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 3 points below Brunswick County's 3%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carolina Shores is 94% single-family homes and 6% mobile or manufactured homes.
About 56% of owner-occupied homes in Carolina Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carolina Shores has an owner-occupancy rate of 95% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Carolina Shores - 92% - 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 | $288,600 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)