Home Insurance in Sunset Beach, North Carolina
Homes in Sunset Beach carry a median value of $410,900 - 17% higher 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 Sunset Beach was built around 2000. About 0% of homes were built before 1960, about 3 points below Brunswick County's 3%.
The housing stock in Sunset Beach is 59% single-family homes, 23% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sunset Beach, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sunset Beach has an owner-occupancy rate of 86% and a vacancy rate of 55%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Sunset Beach, 92% of homes 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.
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 | $410,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)