Home Insurance in Randolph County, North Carolina
Homes in Randolph County carry a median value of $197,100 - 32% lower than the North Carolina median.
The typical home in Randolph County was built around 1985. About 18% of homes were built before 1960, about 4 points above North Carolina's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Randolph County, the housing stock is 71% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Randolph County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Randolph County has an owner-occupancy rate of 73% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Randolph County, 71% of homes 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.
FEMA's National Risk Index lists tornado (Relatively Moderate), winter weather (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Randolph County.
As of September 2026, Randolph County has 111 active NFIP flood insurance policies. 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 | $197,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 111 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Franklinville
- Median home value: $123,600
- Median year built: 1987
- Owner-occupied share: 50%
-
Staley
- Median home value: $132,500
- Median year built: 1983
- Owner-occupied share: 75%
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)