Home Insurance in Bath, North Carolina
With a median home value of $382,400, Bath is 98% higher than the Beaufort County median.
The typical home in Bath was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 20 points above Beaufort County's 24%.
Housing in Bath breaks down to 98% single-family homes.
In Bath, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Bath are owner-occupied.
49% of homes in Bath are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Beaufort County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Beaufort County had 3,192 active NFIP flood policies as of September 2026. See the full Beaufort 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 | $382,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Beaufort County | 3,192 |
| 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)