Home Insurance in Hyde County, North Carolina
Homes in Hyde County carry a median value of $124,000 - 57% lower than the North Carolina median.
The typical home in Hyde County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 10 points above North Carolina's 14%.
In Hyde County, the housing stock is 74% single-family homes, 2% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Hyde County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hyde County has an owner-occupancy rate of 72% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hyde County, 67% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Hyde County's top hazards are hurricane (Relatively High), coastal flooding (Relatively High) and wildfire (Relatively Low).
As of September 2026, Hyde County has 1,154 active NFIP flood insurance policies. 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 | $124,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Coastal Flooding (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,154 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
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)