Home Insurance in Pilot Mountain, North Carolina
The median home value in Pilot Mountain is $203,600, 15% higher than the Surry County median.
The typical home in Pilot Mountain was built around 1966. About 40% of homes were built before 1960, about 17 points above Surry County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Pilot Mountain breaks down to 68% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pilot Mountain, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Pilot Mountain are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pilot Mountain, 72% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Pilot Mountain? FEMA's National Risk Index points to strong wind (Relatively High) in Surry County and Surry County had 34 active NFIP flood policies as of September 2026. See the full Surry County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $203,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Surry County | 34 |
| 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)