Home Insurance in Kure Beach, North Carolina
The median home value in Kure Beach is $735,100, 90% higher than the New Hanover County median.
The typical home in Kure Beach was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 3 points below New Hanover County's 14%.
Housing in Kure Beach breaks down to 88% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Kure Beach, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kure Beach has an owner-occupancy rate of 80% and a vacancy rate of 50%; unoccupied homes typically need a different coverage form.
In Kure Beach, 94% of homes 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.
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 | $735,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)