Home Insurance in Hertford County, North Carolina
The median home value in Hertford County is $119,200, 59% lower than the North Carolina median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hertford County was built around 1978. About 23% of homes were built before 1960, about 9 points above North Carolina's 14%.
In Hertford County, the housing stock is 67% single-family homes, 3% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Hertford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Hertford County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hertford County - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively High), winter weather (Relatively Moderate) and earthquake (Very Low) as the leading hazards for Hertford County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hertford County had 55 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.
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 | $119,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Winter Weather (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 55 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Murfreesboro
- Median home value: $158,600
- Median year built: 1971
- Owner-occupied share: 54%
-
Winton
- Median home value: $86,100
- Median year built: 1975
- Owner-occupied share: 51%
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)