Home Insurance in Winfall, North Carolina
The median home value in Winfall is $401,200, 73% higher than the Perquimans County median.
The typical home in Winfall was built around 1991. About 20% of homes were built before 1960, about 1 point above Perquimans County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Winfall, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 82% of owner-occupied homes in Winfall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winfall has an owner-occupancy rate of 63% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 66% of homes in Winfall are primarily heated with electricity.
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.
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 | $401,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)