Home Insurance in Pine Knoll Shores, North Carolina
Homes in Pine Knoll Shores carry a median value of $592,300 - 78% higher than the Carteret County median.
The typical home in Pine Knoll Shores was built around 1984. About 1% of homes were built before 1960, about 10 points below Carteret County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Pine Knoll Shores is 52% single-family homes, 42% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in Pine Knoll Shores have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Pine Knoll Shores are owner-occupied.
Most homes in Pine Knoll Shores - 91% - 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.
Carteret County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
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 | $592,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)