Home Insurance in Washington County, North Carolina
Homes in Washington County carry a median value of $125,900 - 56% lower than the North Carolina median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Washington County was built around 1975. About 21% of homes were built before 1960, about 7 points above North Carolina's 14%.
In Washington County, the housing stock is 67% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Washington County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Washington County are primarily heated with electricity.
The top hazards for Washington County, per FEMA's National Risk Index, are hurricane (Relatively High), winter weather (Relatively Moderate) and wildfire (Very Low).
As of September 2026, Washington County has 209 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $125,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Winter Weather (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 209 |
| 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)