Home Insurance in High Point, North Carolina
Homes in High Point carry a median value of $235,800 - 9% lower than the Guilford County median.
The typical home in High Point was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 2 points above Guilford County's 18%.
The housing stock in High Point is 71% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 64% of owner-occupied homes in High Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in High Point are owner-occupied.
In High Point, 48% of homes are primarily heated with electricity.
FEMA rates Guilford County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). Guilford County had 904 active NFIP flood policies as of September 2026. See the full Guilford County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $235,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Guilford County | 904 |
| 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)