Home Insurance in Davie County, North Carolina
The median home value in Davie County is $253,900, 12% lower than the North Carolina median.
The typical home in Davie County was built around 1990. About 14% of homes were built before 1960, in line with North Carolina (14%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Davie County is 77% single-family homes, 5% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
57% of owner-occupied homes in Davie County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Davie County has an owner-occupancy rate of 82% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Davie County, 72% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), inland flooding (Relatively Low) and earthquake (Very Low) as the leading hazards for Davie County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Davie County has 60 active NFIP flood policies on file.
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 | $253,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 60 |
| 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)