Home Insurance in Stokesdale, North Carolina
Homes in Stokesdale carry a median value of $379,100 - 46% higher than the Guilford County median.
The typical home in Stokesdale was built around 2002. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 12 points below Guilford County's 18%.
In Stokesdale, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
77% of owner-occupied homes in Stokesdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Stokesdale are owner-occupied.
50% of homes in Stokesdale 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.
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 | $379,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)