Home Insurance in Ocean Isle Beach, North Carolina
With a median home value of $835,500, Ocean Isle Beach is 139% higher than the Brunswick County median.
The typical home in Ocean Isle Beach was built around 1996. About 1% of homes were built before 1960, about 3 points below Brunswick County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ocean Isle Beach is 72% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Ocean Isle Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ocean Isle Beach has an owner-occupancy rate of 96% and a vacancy rate of 85%; unoccupied homes typically need a different coverage form.
93% of homes in Ocean Isle Beach are primarily heated with electricity.
FEMA rates Brunswick County's overall risk as Relatively High, led by hurricane (Very High). 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 | $835,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)