Home Insurance in Kitty Hawk, North Carolina
With a median home value of $535,000, Kitty Hawk is 16% higher than the Dare County median.
The typical home in Kitty Hawk was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, in line with Dare County (6%).
Housing in Kitty Hawk breaks down to 72% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Kitty Hawk, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kitty Hawk has an owner-occupancy rate of 73% and a vacancy rate of 50%; unoccupied homes typically need a different coverage form.
In Kitty Hawk, 96% of homes are primarily heated with electricity.
Dare County had 15,396 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Dare County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $535,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Dare County | 15,396 |
| 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)