Home Insurance in Bogue, North Carolina
Homes in Bogue carry a median value of $291,100 - 13% lower than the Carteret County median.
The typical home in Bogue was built around 1998. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 3 points below Carteret County's 11%.
In Bogue, the housing stock is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bogue, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Bogue are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bogue, 90% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bogue? FEMA's National Risk Index points to hurricane (Very High) in Carteret County and Carteret County had 14,016 active NFIP flood policies as of September 2026. See the full Carteret 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 | $291,100 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Carteret County | 14,016 |
| 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)