Home Insurance in Pender County, North Carolina
With a median home value of $299,000, Pender County is close to the North Carolina median.
The typical home in Pender County was built around 1998. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 5 points below North Carolina's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pender County is 73% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
About 60% of owner-occupied homes in Pender County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Pender County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pender County, 90% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively High), winter weather (Relatively High) and wildfire (Relatively Low) as the leading hazards for Pender County.
As of September 2026, Pender County has 5,399 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $299,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Winter Weather (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 5,399 |
| 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)