Home Insurance in Roxobel, North Carolina
Homes in Roxobel carry a median value of $99,600 - close to the Bertie County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Roxobel was built around 1977. About 29% of homes were built before 1960, about 7 points above Bertie County's 22%.
In Roxobel, the housing stock is 64% single-family homes, 1% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roxobel, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roxobel has an owner-occupancy rate of 67% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Roxobel - 78% - 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 had 134 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Bertie County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $99,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)