Home Insurance in Clemmons, North Carolina
Homes in Clemmons carry a median value of $335,800 - 34% higher than the Forsyth County median.
The typical home in Clemmons was built around 1994. About 5% of homes were built before 1960, about 15 points below Forsyth County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Clemmons is 77% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
62% of owner-occupied homes in Clemmons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Clemmons are owner-occupied.
64% of homes in Clemmons are primarily heated with electricity.
What's the biggest home insurance risk near Clemmons? FEMA's National Risk Index points to inland flooding (Relatively High) in Forsyth County and Forsyth County had 581 active NFIP flood policies as of September 2026. See the full Forsyth County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $335,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Forsyth County | 581 |
| 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)