HomeInsuranceQts

Home Insurance in Claremont, North Carolina

Homes in Claremont carry a median value of $255,300 - 6% higher than the Catawba County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Claremont was built around 1994. About 15% of homes were built before 1960, about 3 points below Catawba County's 18%.

Housing in Claremont breaks down to 67% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Claremont, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Claremont has an owner-occupancy rate of 61% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

In Claremont, 82% of homes are primarily heated with electricity.

FEMA rates Catawba County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Catawba County had 222 active NFIP flood policies as of September 2026. See the full Catawba 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$255,300
Median year built1994
Owner-occupied share61%
Share of owner-occupied homes with a mortgage69%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Catawba County222
Home insurance premium$1,852 - statewide average (NAIC, 2023 data)
Key home insurance figures for Claremont, NC

Nearby towns

Sources

Data last updated: 2026-09-29