Home Insurance in Southern Shores, North Carolina
The median home value in Southern Shores is $712,300, 55% higher than the Dare County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Southern Shores was built around 1990. About 7% of homes were built before 1960, in line with Dare County (6%).
Housing in Southern Shores breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Southern Shores, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Southern Shores has an owner-occupancy rate of 91% and a vacancy rate of 49%; unoccupied homes typically need a different coverage form.
Most homes in Southern Shores - 97% - are primarily heated with electricity.
Dare County had 15,396 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Dare 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 | $712,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Dare County | 15,396 |
| 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)