Home Insurance in Trent Woods, North Carolina
The median home value in Trent Woods is $343,100, 48% higher than the Craven County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Trent Woods was built around 1977. About 5% of homes were built before 1960, about 9 points below Craven County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Trent Woods is 96% single-family homes and 3% mobile or manufactured homes.
52% of owner-occupied homes in Trent Woods carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Trent Woods are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Trent Woods, 66% of homes are primarily heated with electricity.
Craven County had 5,671 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Craven 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 | $343,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Craven County | 5,671 |
| 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)