Home Insurance in Aulander, North Carolina
With a median home value of $128,300, Aulander is 30% higher than the Bertie County median.
The typical home in Aulander 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, in line with Bertie County (22%).
The housing stock in Aulander is 75% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Aulander carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Aulander has an owner-occupancy rate of 63% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Aulander - 83% - 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.
FEMA rates Bertie County's overall risk as Relatively Low, led by hurricane (Relatively High). Bertie County had 134 active NFIP flood policies as of September 2026. See the full Bertie County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $128,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Bertie County | 134 |
| 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)