Home Insurance in Pamlico County, North Carolina
With a median home value of $216,800, Pamlico County is 25% lower than the North Carolina median.
The typical home in Pamlico County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, in line with North Carolina (14%).
In Pamlico County, the housing stock is 70% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pamlico County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pamlico County has an owner-occupancy rate of 83% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Pamlico County, 78% of homes 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), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Pamlico County.
Pamlico County had 1,931 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.
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 | $216,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,931 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Alliance
- Median home value: $142,400
- Median year built: 1991
- Owner-occupied share: 61%
-
Stonewall
- Median home value: $134,400
- Median year built: 1965
- Owner-occupied share: 65%
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)