Home Insurance in Bayboro, North Carolina
Homes in Bayboro carry a median value of $138,000 - 36% lower than the Pamlico County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bayboro was built around 1967. About 29% of homes were built before 1960, about 15 points above Pamlico County's 14%.
The housing stock in Bayboro is 79% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Bayboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bayboro has an owner-occupancy rate of 71% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Bayboro - 85% - 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.
What's the biggest home insurance risk near Bayboro? FEMA's National Risk Index points to hurricane (Relatively High) in Pamlico County and Pamlico County had 1,931 active NFIP flood policies as of September 2026. See the full Pamlico 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 | $138,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Pamlico County | 1,931 |
| 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)