Home Insurance in Surf City, North Carolina
Homes in Surf City carry a median value of $512,300 - 71% higher than the Pender County median.
The typical home in Surf City was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 5 points below Pender County's 9%.
The housing stock in Surf City is 77% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Surf City, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 61%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Surf City are owner-occupied.
Most homes in Surf City - 96% - are primarily heated with electricity.
FEMA rates Pender County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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.
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 | $512,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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
- Holly Ridge
- North Topsail Beach
- Topsail Beach
- Wrightsville Beach
- Jacksonville
- St. Helena
- Burgaw
- Wilmington
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)