Home Insurance in High Shoals, North Carolina
The median home value in High Shoals is $230,400, 13% lower than the Gaston County median.
The typical home in High Shoals was built around 1984. About 18% of homes were built before 1960, about 5 points below Gaston County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in High Shoals is 72% single-family homes, 24% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 62% of owner-occupied homes in High Shoals have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in High Shoals are owner-occupied.
Most homes in High Shoals - 93% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Gaston County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Gaston County had 334 active NFIP flood policies as of September 2026. See the full Gaston County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $230,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)