Home Insurance in Topsail Beach, North Carolina
With a median home value of $691,200, Topsail Beach is 131% higher than the Pender County median.
The typical home in Topsail Beach was built around 1985. About 12% of homes were built before 1960, about 2 points above Pender County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Topsail Beach, the housing stock is 91% single-family homes and 3% apartments in buildings with 5+ units.
44% of owner-occupied homes in Topsail Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 83%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Topsail Beach are owner-occupied.
99% of homes in Topsail Beach 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.
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 | $691,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)