Home Insurance in Gastonia, North Carolina
The median home value in Gastonia is $277,600, close to the Gaston County median.
The typical home in Gastonia was built around 1978. About 26% of homes were built before 1960, about 4 points above Gaston County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gastonia is 71% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Gastonia, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gastonia has an owner-occupancy rate of 54% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Gastonia, 52% of homes are primarily heated with electricity.
Gaston County had 334 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Gaston 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 | $277,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Gaston County | 334 |
| 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)