Home Insurance in Cofield, North Carolina
The median home value in Cofield is $82,100, 31% lower than the Hertford County median.
The typical home in Cofield was built around 1973. About 25% of homes were built before 1960, about 2 points above Hertford County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cofield is 61% single-family homes and 29% mobile or manufactured homes.
About 54% of owner-occupied homes in Cofield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Cofield are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cofield, 45% of homes are primarily heated with propane.
Hertford County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Hertford County had 55 active NFIP flood policies as of September 2026. See the full Hertford County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $82,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Hertford County | 55 |
| 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)