Home Insurance in Burgaw, North Carolina
With a median home value of $242,200, Burgaw is 19% lower than the Pender County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Burgaw was built around 1987. About 26% of homes were built before 1960, about 16 points above Pender County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Burgaw is 76% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Burgaw, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burgaw has an owner-occupancy rate of 67% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Burgaw - 90% - are primarily heated with electricity.
Pender County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Pender County had 5,399 active NFIP flood policies as of September 2026. See the full Pender County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $242,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)