Home Insurance in Hertford, North Carolina
With a median home value of $176,500, Hertford is 24% lower than the Perquimans County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hertford was built around 1971. About 39% of homes were built before 1960, about 20 points above Perquimans County's 19%.
In Hertford, the housing stock is 65% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Hertford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hertford has an owner-occupancy rate of 53% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Hertford - 64% - 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.
Perquimans County had 404 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Perquimans County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $176,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Perquimans County | 404 |
| 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)