Home Insurance in Vandemere, North Carolina
With a median home value of $108,100, Vandemere is 50% lower than the Pamlico County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vandemere was built around 1992. About 39% of homes were built before 1960, about 25 points above Pamlico County's 14%.
The housing stock in Vandemere is 61% single-family homes, 6% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Vandemere have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vandemere has an owner-occupancy rate of 77% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Vandemere - 78% - are primarily heated with electricity.
FEMA rates Pamlico County's overall risk as Relatively Low, led by hurricane (Relatively High). 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.
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 | $108,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 77% |
| 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)