Home Insurance in Bridgeton, North Carolina
The median home value in Bridgeton is $165,500, 29% lower than the Craven County median.
The typical home in Bridgeton was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 12 points above Craven County's 14%.
In Bridgeton, the housing stock is 71% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bridgeton, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bridgeton has an owner-occupancy rate of 72% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Bridgeton - 69% - 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.
Craven County had 5,671 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Craven 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 | $165,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Craven County | 5,671 |
| 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)