Home Insurance in Warsaw, North Carolina
Homes in Warsaw carry a median value of $112,500 - 18% lower than the Duplin County median.
The typical home in Warsaw was built around 1982. About 22% of homes were built before 1960, about 4 points above Duplin County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Warsaw is 51% single-family homes, 11% apartments in buildings with 5+ units and 10% 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.
27% of owner-occupied homes in Warsaw carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Warsaw has an owner-occupancy rate of 44% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Warsaw - 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.
FEMA rates Duplin County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Duplin County had 552 active NFIP flood policies as of September 2026. See the full Duplin 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 home value | $112,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Duplin County | 552 |
| 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)