Home Insurance in Andrews, North Carolina
The median home value in Andrews is $98,600, 58% lower than the Cherokee County median.
The typical home in Andrews was built around 1985. About 20% of homes were built before 1960, about 10 points above Cherokee County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Andrews is 52% single-family homes, 3% apartments in buildings with 5+ units and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Andrews carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Andrews are owner-occupied.
Most homes in Andrews - 80% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cherokee County had 144 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Cherokee 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 | $98,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Cherokee County | 144 |
| 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)