Home Insurance in King, North Carolina
Homes in King carry a median value of $238,200 - 21% higher than the Stokes County median.
The typical home in King was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 6 points below Stokes County's 13%.
Housing in King breaks down to 80% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in King have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in King are owner-occupied.
83% of homes in King are primarily heated with electricity.
Stokes County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Stokes County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $238,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Stokes County | 26 |
| 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)