Home Insurance in Holly Ridge, North Carolina
With a median home value of $360,300, Holly Ridge is 52% higher than the Onslow County median.
The typical home in Holly Ridge was built around 2015. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 3 points below Onslow County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holly Ridge is 91% single-family homes and 6% mobile or manufactured homes.
About 71% of owner-occupied homes in Holly Ridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Holly Ridge has an owner-occupancy rate of 89% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Holly Ridge, 98% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Holly Ridge? FEMA's National Risk Index points to hurricane (Very High) in Onslow County and Onslow County had 4,875 active NFIP flood policies as of September 2026. See the full Onslow 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 | $360,300 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Onslow County | 4,875 |
| 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)