Home Insurance in Carolina Beach, North Carolina
With a median home value of $566,200, Carolina Beach is 46% higher than the New Hanover County median.
The typical home in Carolina Beach was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 1 point below New Hanover County's 14%.
The housing stock in Carolina Beach is 54% single-family homes, 32% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Carolina Beach, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 51%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Carolina Beach are owner-occupied.
96% of homes in Carolina Beach are primarily heated with electricity.
New Hanover County had 17,097 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full New Hanover 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 | $566,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in New Hanover County | 17,097 |
| 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)