Home Insurance in Mooresville, North Carolina
The median home value in Mooresville is $390,900, 22% higher than the Iredell County median.
The typical home in Mooresville was built around 2006. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 4 points below Iredell County's 12%.
Housing in Mooresville breaks down to 69% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
75% of owner-occupied homes in Mooresville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Mooresville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mooresville, 51% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mooresville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Iredell County and 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.
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 | $390,900 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)