Home Insurance in Caswell Beach, North Carolina
The median home value in Caswell Beach is $648,400, 85% higher than the Brunswick County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Caswell Beach was built around 1998. About 1% of homes were built before 1960, about 2 points below Brunswick County's 3%.
The housing stock in Caswell Beach is 62% single-family homes, 28% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Caswell Beach, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 66%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Caswell Beach are owner-occupied.
Most homes in Caswell Beach - 89% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $648,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)