Home Insurance in Rhodhiss, North Carolina
The median home value in Rhodhiss is $134,700, 27% lower than the Burke County median.
The typical home in Rhodhiss was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 12 points above Burke County's 23%.
In Rhodhiss, the housing stock is 72% single-family homes, 1% 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.
About 74% of owner-occupied homes in Rhodhiss have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rhodhiss has an owner-occupancy rate of 73% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Rhodhiss - 80% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Burke County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Burke County had 131 active NFIP flood policies as of September 2026. See the full Burke County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $134,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Burke County | 131 |
| 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)