Home Insurance in Fontana Dam, North Carolina
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fontana Dam was built around 1973. About 25% of homes were built before 1960, about 14 points above Graham County's 11%.
Housing in Fontana Dam breaks down to 97% single-family homes.
What's the biggest home insurance risk near Fontana Dam? FEMA's National Risk Index points to earthquake (Very Low) in Graham County and Graham County had 48 active NFIP flood policies as of September 2026. See the full Graham County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 year built | 1973 |
|---|---|
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Graham County | 48 |
| 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)