Home Insurance in Pasquotank County, North Carolina
With a median home value of $234,600, Pasquotank County is 19% lower than the North Carolina median.
The typical home in Pasquotank County was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 9 points above North Carolina's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pasquotank County is 73% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
61% of owner-occupied homes in Pasquotank County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pasquotank County has an owner-occupancy rate of 67% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Pasquotank County - 77% - 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 Moderate), winter weather (Relatively High) and coastal flooding (Relatively Moderate) as the leading hazards for Pasquotank County.
Pasquotank County had 1,871 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $234,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Winter Weather (Relatively High), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,871 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
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)