Home Insurance in Ramseur, North Carolina
The median home value in Ramseur is $155,300, 21% lower than the Randolph County median.
The typical home in Ramseur was built around 1973. About 34% of homes were built before 1960, about 16 points above Randolph County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ramseur, the housing stock is 70% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 58% of owner-occupied homes in Ramseur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ramseur has an owner-occupancy rate of 45% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Ramseur, 74% of homes are primarily heated with electricity.
FEMA rates Randolph County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Randolph County had 111 active NFIP flood policies as of September 2026. See the full Randolph County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $155,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Randolph County | 111 |
| 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)