Home Insurance in Davidson County, North Carolina
The median home value in Davidson County is $219,100, 24% lower than the North Carolina median.
The typical home in Davidson County was built around 1985. About 19% of homes were built before 1960, about 5 points above North Carolina's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Davidson County is 77% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
55% of owner-occupied homes in Davidson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Davidson County are owner-occupied.
Most homes in Davidson County - 71% - are primarily heated with electricity.
Per FEMA's National Risk Index, Davidson County's top hazards are inland flooding (Relatively Moderate), tornado (Relatively Moderate) and hurricane (Relatively Moderate).
As of September 2026, Davidson County has 223 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $219,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 223 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)