Home Insurance in North Topsail Beach, North Carolina
The median home value in North Topsail Beach is $473,600, 100% higher than the Onslow County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Topsail Beach was built around 1989. About 0% of homes were built before 1960, about 8 points below Onslow County's 8%.
The housing stock in North Topsail Beach is 62% single-family homes, 29% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in North Topsail Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 85%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in North Topsail Beach are owner-occupied.
93% of homes in North Topsail Beach are primarily heated with electricity.
Onslow County had 4,875 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Onslow County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $473,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)