Home Insurance in Eden, North Carolina
The median home value in Eden is $120,700, 28% lower than the Rockingham County median.
The typical home in Eden was built around 1967. About 40% of homes were built before 1960, about 14 points above Rockingham County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eden is 67% single-family homes, 15% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Eden, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Eden has an owner-occupancy rate of 55% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Eden, 59% of homes are primarily heated with electricity.
FEMA rates Rockingham County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Rockingham County had 68 active NFIP flood policies as of September 2026. See the full Rockingham County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $120,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Rockingham County | 68 |
| 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)