Home Insurance in Nashville, North Carolina
The median home value in Nashville is $205,300, 7% higher than the Nash County median.
The typical home in Nashville was built around 1993. About 13% of homes were built before 1960, about 6 points below Nash County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Nashville, the housing stock is 69% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Nashville, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Nashville are owner-occupied.
74% of homes in Nashville 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.
Nash County had 618 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Nash County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $205,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Nash County | 618 |
| 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)