Home Insurance in Beaufort County, North Carolina
With a median home value of $192,700, Beaufort County is 33% lower than the North Carolina median.
The typical home in Beaufort County was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 9 points above North Carolina's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beaufort County is 70% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
About 47% of owner-occupied homes in Beaufort County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Beaufort County has an owner-occupancy rate of 70% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Beaufort County - 61% - 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.
The top hazards for Beaufort County, per FEMA's National Risk Index, are hurricane (Relatively High), winter weather (Relatively High) and coastal flooding (Relatively Moderate).
As of September 2026, Beaufort County has 3,192 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $192,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Winter Weather (Relatively High), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,192 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)