Home Insurance in Columbia, North Carolina
With a median home value of $120,000, Columbia is 27% lower than the Tyrrell County median.
The typical home in Columbia was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 26 points above Tyrrell County's 28%.
The housing stock in Columbia is 66% single-family homes, 1% apartments in buildings with 5+ units and 17% 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.
About 53% of owner-occupied homes in Columbia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Columbia has an owner-occupancy rate of 49% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Columbia - 81% - 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 Columbia? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Tyrrell County and Tyrrell County had 484 active NFIP flood policies as of September 2026. See the full Tyrrell 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 | $120,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Tyrrell County | 484 |
| 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)