Home Insurance in Indian Beach, North Carolina
The median home value in Indian Beach is $534,100, 60% higher than the Carteret County median.
The typical home in Indian Beach was built around 1988. About 0% of homes were built before 1960, about 11 points below Carteret County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Indian Beach is 8% single-family homes, 48% apartments in buildings with 5+ units and 44% mobile or manufactured homes.
In Indian Beach, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Indian Beach has an owner-occupancy rate of 100% and a vacancy rate of 94%; unoccupied homes typically need a different coverage form.
In Indian Beach, 96% of homes are primarily heated with electricity.
Carteret County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Carteret County had 14,016 active NFIP flood policies as of September 2026. See the full Carteret County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $534,100 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Carteret County | 14,016 |
| 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)