Home Insurance in Wrightsville Beach, North Carolina
Homes in Wrightsville Beach carry a median value of $1,168,700 - 201% higher than the New Hanover County median.
The typical home in Wrightsville Beach was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 12 points above New Hanover County's 14%.
Housing in Wrightsville Beach breaks down to 55% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Wrightsville Beach, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wrightsville Beach has an owner-occupancy rate of 81% and a vacancy rate of 55%; unoccupied homes typically need a different coverage form.
Most homes in Wrightsville Beach - 92% - are primarily heated with electricity.
What's the biggest home insurance risk near Wrightsville Beach? FEMA's National Risk Index points to hurricane (Very High) in New Hanover County and New Hanover County had 17,097 active NFIP flood policies as of September 2026. 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 | $1,168,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)