Home Insurance in Burlington, North Carolina
The median home value in Burlington is $199,200, 18% lower than the Alamance County median.
The typical home in Burlington was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 6 points above Alamance County's 21%.
The housing stock in Burlington is 63% single-family homes, 22% apartments in buildings with 5+ units and 4% 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.
56% of owner-occupied homes in Burlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Burlington are owner-occupied.
50% of homes in Burlington are primarily heated with natural gas.
What's the biggest home insurance risk near Burlington? FEMA's National Risk Index points to winter weather (Relatively High) in Alamance County and Alamance County had 342 active NFIP flood policies as of September 2026. See the full Alamance 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 | $199,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Alamance County | 342 |
| 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)