Home Insurance in Landis, North Carolina
Homes in Landis carry a median value of $252,100 - 6% higher than the Rowan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Landis was built around 1994. About 15% of homes were built before 1960, about 9 points below Rowan County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Landis is 94% single-family homes and 5% mobile or manufactured homes.
About 54% of owner-occupied homes in Landis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Landis are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Landis, 56% of homes are primarily heated with electricity.
Rowan County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Rowan County had 295 active NFIP flood policies as of September 2026. See the full Rowan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $252,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Rowan County | 295 |
| 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)