Home Insurance in Edgecombe County, North Carolina
Homes in Edgecombe County carry a median value of $125,100 - 57% lower than the North Carolina median.
The typical home in Edgecombe County was built around 1978. About 26% of homes were built before 1960, about 12 points above North Carolina's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Edgecombe County, the housing stock is 66% single-family homes, 5% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Edgecombe County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Edgecombe County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Edgecombe County, 60% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), winter weather (Relatively High) and hurricane (Relatively Moderate) as the leading hazards for Edgecombe County.
Edgecombe County had 740 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $125,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 740 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)