Home Insurance in Shallotte, North Carolina
With a median home value of $349,500, Shallotte is close to the Brunswick County median.
The typical home in Shallotte was built around 2004. About 1% of homes were built before 1960, about 2 points below Brunswick County's 3%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Shallotte, the housing stock is 69% single-family homes, 18% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Shallotte have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Shallotte are owner-occupied.
Most homes in Shallotte - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near Shallotte? FEMA's National Risk Index points to hurricane (Very High) in Brunswick County and 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 | $349,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)