Home Insurance in Oak Ridge, North Carolina
With a median home value of $529,300, Oak Ridge is 104% higher than the Guilford County median.
The typical home in Oak Ridge was built around 1997. About 4% of homes were built before 1960, about 13 points below Guilford County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Oak Ridge breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Oak Ridge, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oak Ridge has an owner-occupancy rate of 92% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
50% of homes in Oak Ridge are primarily heated with electricity.
Guilford County had 904 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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.
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 | $529,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)