Home Insurance in Graham, North Carolina
With a median home value of $233,800, Graham is close to the Alamance County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Graham was built around 1987. About 24% of homes were built before 1960, about 3 points above Alamance County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Graham is 69% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Graham, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Graham has an owner-occupancy rate of 53% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Graham - 53% - are primarily heated with natural gas.
FEMA rates Alamance County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $233,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)