Home Insurance in Varnamtown, North Carolina
The median home value in Varnamtown is $293,800, 16% lower than the Brunswick County median.
The typical home in Varnamtown was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 14 points above Brunswick County's 3%.
In Varnamtown, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Varnamtown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Varnamtown has an owner-occupancy rate of 94% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Varnamtown - 84% - 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.
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 | $293,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)