Home Insurance in Brunswick, North Carolina
The median home value in Brunswick is $82,500, 43% lower than the Columbus County median.
The typical home in Brunswick was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, in line with Columbus County (19%).
In Brunswick, the housing stock is 60% single-family homes and 24% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brunswick, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Brunswick are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brunswick, 89% of homes are primarily heated with electricity.
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.
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 | $82,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)