Home Insurance in Onslow County, North Carolina
The median home value in Onslow County is $236,400, 18% lower than the North Carolina median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Onslow County was built around 1998. About 8% of homes were built before 1960, about 6 points below North Carolina's 14%.
The housing stock in Onslow County is 75% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Onslow County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Onslow County has an owner-occupancy rate of 64% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Onslow County, 92% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Onslow County's top hazards are hurricane (Very High), winter weather (Very High) and wildfire (Relatively Low).
Onslow County had 4,875 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $236,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Winter Weather (Very High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 4,875 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)