Home Insurance in Atkinson, North Carolina
With a median home value of $155,100, Atkinson is 48% lower than the Pender County median.
The typical home in Atkinson was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 42 points above Pender County's 9%.
The housing stock in Atkinson is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Atkinson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Atkinson are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Atkinson are primarily heated with electricity.
Pender County had 5,399 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Pender 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 | $155,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Pender County | 5,399 |
| 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)