Home Insurance in Colerain, North Carolina
Homes in Colerain carry a median value of $145,800 - 48% higher than the Bertie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Colerain was built around 1953. About 65% of homes were built before 1960, about 44 points above Bertie County's 22%.
The housing stock in Colerain is 100% single-family homes.
In Colerain, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Colerain has an owner-occupancy rate of 85% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Colerain are primarily heated with propane.
What's the biggest home insurance risk near Colerain? FEMA's National Risk Index points to hurricane (Relatively High) in Bertie County and 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.
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 | $145,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)