Home Insurance in Rockingham County, North Carolina
The median home value in Rockingham County is $168,600, 42% lower than the North Carolina median.
The typical home in Rockingham County was built around 1978. About 26% of homes were built before 1960, about 11 points above North Carolina's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Rockingham County, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Rockingham County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Rockingham County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Rockingham County are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Rockingham County.
Rockingham County had 68 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.
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 | $168,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 68 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
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)