Home Insurance in Kelford, North Carolina
With a median home value of $67,800, Kelford is 31% lower than the Bertie County median.
The typical home in Kelford was built around 1971. About 32% of homes were built before 1960, about 10 points above Bertie County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kelford is 52% single-family homes and 48% mobile or manufactured homes.
20% of owner-occupied homes in Kelford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kelford has an owner-occupancy rate of 85% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Kelford - 67% - 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.
Bertie County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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 | $67,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)