Home Insurance in Guilford County, North Carolina
Homes in Guilford County carry a median value of $259,900 - 10% lower than the North Carolina median.
The typical home in Guilford County was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 4 points above North Carolina's 14%.
Housing in Guilford County breaks down to 69% single-family homes, 23% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Guilford County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Guilford County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Guilford County, 54% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Guilford County's top hazards are inland flooding (Relatively High), winter weather (Relatively High) and hail (Relatively Moderate).
As of September 2026, Guilford County has 904 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $259,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Winter Weather (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 904 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
- Gibsonville
- Greensboro
- High Point
- Jamestown
- Oak Ridge
- Pleasant Garden
- Sedalia
- Stokesdale
- Summerfield
- Whitsett
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)