Home Insurance in Enfield, North Carolina
The median home value in Enfield is $105,300, close to the Halifax County median.
The typical home in Enfield was built around 1964. About 43% of homes were built before 1960, about 17 points above Halifax County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Enfield is 76% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Enfield, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Enfield are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Enfield are primarily heated with natural gas.
FEMA rates Halifax County's overall risk as Relatively Low, led by winter weather (Relatively High). Halifax County had 98 active NFIP flood policies as of September 2026. See the full Halifax 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 | $105,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Halifax County | 98 |
| 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)