Home Insurance in Stoneville, North Carolina
The median home value in Stoneville is $150,600, 11% lower than the Rockingham County median.
The typical home in Stoneville was built around 1975. About 32% of homes were built before 1960, about 6 points above Rockingham County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stoneville, the housing stock is 70% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Stoneville, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stoneville has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Stoneville - 77% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Rockingham County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $150,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)