Home Insurance in Wentworth, North Carolina
With a median home value of $170,300, Wentworth is close to the Rockingham County median.
The typical home in Wentworth was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 12 points below Rockingham County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wentworth is 74% single-family homes and 18% mobile or manufactured homes.
56% of owner-occupied homes in Wentworth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Wentworth are owner-occupied.
Most homes in Wentworth - 57% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Wentworth? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Rockingham County and 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 | $170,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 91% |
| 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)