Home Insurance in Sharpsburg, North Carolina
Homes in Sharpsburg carry a median value of $121,900 - 36% lower than the Nash County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sharpsburg was built around 1987. About 3% of homes were built before 1960, about 16 points below Nash County's 18%.
In Sharpsburg, the housing stock is 50% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Sharpsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Sharpsburg are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Sharpsburg, 73% of homes are primarily heated with electricity.
Nash County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Nash County had 618 active NFIP flood policies as of September 2026. 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 | $121,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)