Home Insurance in Cedar Rock, North Carolina
Homes in Cedar Rock carry a median value of $424,500 - 121% higher than the Caldwell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cedar Rock was built around 1977. About 3% of homes were built before 1960, about 19 points below Caldwell County's 22%.
In Cedar Rock, the housing stock is 100% single-family homes.
68% of owner-occupied homes in Cedar Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Cedar Rock are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cedar Rock, 92% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Caldwell County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Caldwell County had 166 active NFIP flood policies as of September 2026. See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $424,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Caldwell County | 166 |
| 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)