Home Insurance in Woodland, North Carolina
Homes in Woodland carry a median value of $112,500 - close to the Northampton County median.
The typical home in Woodland was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 30 points above Northampton County's 21%.
The housing stock in Woodland is 81% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woodland, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Woodland has an owner-occupancy rate of 58% and a vacancy rate of 33%; 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 Woodland, 65% of homes are primarily heated with electricity.
FEMA rates Northampton County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Northampton County had 34 active NFIP flood policies as of September 2026. See the full Northampton 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 | $112,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Northampton County | 34 |
| 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)