Home Insurance in Bertie County, North Carolina
Homes in Bertie County carry a median value of $98,500 - 66% lower than the North Carolina median.
The typical home in Bertie County was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 8 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 Bertie County is 67% single-family homes, 1% apartments in buildings with 5+ units and 31% mobile or manufactured homes.
49% of owner-occupied homes in Bertie County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Bertie County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bertie County, 59% of homes are primarily heated with electricity.
The top hazards for Bertie County, per FEMA's National Risk Index, are hurricane (Relatively High), winter weather (Relatively Moderate) and tornado (Relatively Low).
As of September 2026, Bertie County has 134 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $98,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Winter Weather (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 134 |
| 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)