Home Insurance in Nash County, North Carolina
Homes in Nash County carry a median value of $191,000 - 34% lower than the North Carolina median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Nash County was built around 1986. About 18% of homes were built before 1960, about 4 points above North Carolina's 14%.
The housing stock in Nash County is 68% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Nash County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nash County has an owner-occupancy rate of 64% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
67% of homes in Nash County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Nash County, per FEMA's National Risk Index, are winter weather (Very High), hurricane (Relatively Moderate) and tornado (Relatively Moderate).
Nash County had 618 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $191,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hurricane (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 618 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Bailey
- Median home value: $155,700
- Median year built: 1955
- Owner-occupied share: 58%
-
Middlesex
- Median home value: $216,900
- Median year built: 1977
- Owner-occupied share: 63%
Sources
- 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)