Home Insurance in Cedar Point, North Carolina
With a median home value of $423,700, Cedar Point is 27% higher than the Carteret County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cedar Point was built around 2000. About 8% of homes were built before 1960, about 3 points below Carteret County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cedar Point is 64% single-family homes, 13% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 62% of owner-occupied homes in Cedar Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Cedar Point are owner-occupied.
In Cedar Point, 85% of homes are primarily heated with electricity.
Carteret County had 14,016 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Carteret 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 | $423,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)