Home Insurance in Watha, North Carolina
Homes in Watha carry a median value of $143,300 - 52% lower than the Pender County median.
The typical home in Watha was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 24 points above Pender County's 9%.
In Watha, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Watha have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Watha are owner-occupied.
Most homes in Watha - 69% - 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.
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.
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 | $143,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)