Step 1: Use the Hardy-Weinberg equation.
For a population in equilibrium,
\[
\boxed{
p^2+2pq+q^2=1.
}
\]
The frequency of heterozygous individuals is
\[
\boxed{2pq.}
\]
Step 2: Substitute the given values.
Given,
\[
p=0.81,\qquad q=0.19.
\]
Therefore,
\[
2pq
=
2(0.81)(0.19)
=
0.3078
\approx
0.31.
\]
Thus,
\[
\boxed{31\%}
\]
of the population is heterozygous.
Hence,
\[
\boxed{(C)}
\]
is the correct answer.