Home Insurance in Harmony, North Carolina
The median home value in Harmony is $126,400, 61% lower than the Iredell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harmony was built around 1972. About 35% of homes were built before 1960, about 24 points above Iredell County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harmony is 84% single-family homes and 16% mobile or manufactured homes.
In Harmony, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Harmony has an owner-occupancy rate of 62% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Harmony are primarily heated with electricity.
Iredell County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Iredell County had 163 active NFIP flood policies as of September 2026. See the full Iredell 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 | $126,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Iredell County | 163 |
| 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)