George,
I will leave FEMAguy to answer about how built up New Bern is, as I live up in Hampton, but as for whether one can boat all year.....you can, but it is chilly from Nov thru March. Worst I have seen it in four years with my boat in a wet slip is a one week period of ice around the hull. As long as you keep an engine compartment heater in there running, there isn't really anything to worry about. We don't have many really cold periods.
I normally winterize the fresh water tank buy empting it and putting a couple bottles of really cheap vodka in it. (I hate that pink stuff.) I also put an engine compartment heater dead center between my two engines and the generator.
http://www.boatersworld.com/product/336972237.htm Never had a problem. (I use to keep a 60 watt light bulb on in the engine compartment, until I found out how dangerous that was. I had been told it would reduce the humidity. Now I have one of those plug in humidity controllers that works like a champ. Best 60 bucks I ever spent on that boat.
http://www.boatersworld.com/product/338220023msk.htm I keep it in the main cabin right on the floor.
Good luck finding a place.......Give me about 15 more years and I will be coming down to join you probably.