Home Insurance in Boardman, North Carolina
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Boardman was built around 1985. About 22% of homes were built before 1960, about 2 points above Columbus County's 19%.
In Boardman, the housing stock is 52% single-family homes and 48% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Boardman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Boardman has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Boardman - 83% - 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.
Columbus County had 507 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Columbus 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 year built | 1985 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Columbus County | 507 |
| 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)