Home Insurance in Hoke County, North Carolina
The median home value in Hoke County is $219,300, 24% lower than the North Carolina median.
The typical home in Hoke County was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 7 points below North Carolina's 14%.
The housing stock in Hoke County is 74% single-family homes, 3% 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.
65% of owner-occupied homes in Hoke County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Hoke County are owner-occupied. The vacancy rate is 8%; 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 Hoke County, 86% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Hoke County's top hazards are hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Moderate).
As of September 2026, Hoke County has 104 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $219,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 104 |
| 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)