Home Insurance in Richlands, North Carolina
With a median home value of $248,800, Richlands is 5% higher than the Onslow County median.
The typical home in Richlands was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 11 points above Onslow County's 8%.
The housing stock in Richlands is 89% single-family homes, 4% 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.
In Richlands, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Richlands are owner-occupied.
Most homes in Richlands - 97% - are primarily heated with electricity.
What's the biggest home insurance risk near Richlands? 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.
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 | $248,800 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)