Home Insurance in Bermuda Run, North Carolina
With a median home value of $347,600, Bermuda Run is 37% higher than the Davie County median.
The typical home in Bermuda Run was built around 1996. About 0% of homes were built before 1960, about 14 points below Davie County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bermuda Run, the housing stock is 74% single-family homes and 26% apartments in buildings with 5+ units.
48% of owner-occupied homes in Bermuda Run carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Bermuda Run are owner-occupied.
Most homes in Bermuda Run - 60% - are primarily heated with electricity.
What's the biggest home insurance risk near Bermuda Run? FEMA's National Risk Index points to hurricane (Relatively Low) in Davie County and Davie County had 60 active NFIP flood policies as of September 2026. See the full Davie 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 | $347,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Davie County | 60 |
| 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)