Home Insurance in Swansboro, North Carolina
Homes in Swansboro carry a median value of $378,700 - 60% higher than the Onslow County median.
The typical home in Swansboro was built around 2002. About 22% of homes were built before 1960, about 14 points above Onslow County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Swansboro is 85% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Swansboro, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Swansboro has an owner-occupancy rate of 72% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Swansboro - 96% - are primarily heated with electricity.
FEMA rates Onslow County's overall risk as Relatively High, led by hurricane (Very High). 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 | $378,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)