Home Insurance in Chadbourn, North Carolina
The median home value in Chadbourn is $135,400, 7% lower than the Columbus County median.
The typical home in Chadbourn was built around 1975. About 33% of homes were built before 1960, about 14 points above Columbus County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chadbourn is 64% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
30% of owner-occupied homes in Chadbourn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chadbourn has an owner-occupancy rate of 54% and a vacancy rate of 24%; 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. 81% of homes in Chadbourn 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.
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 | $135,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)