Home Insurance in Apex, North Carolina
With a median home value of $576,100, Apex is 25% higher than the Wake County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Apex was built around 2008. About 2% of homes were built before 1960, about 3 points below Wake County's 5%.
Housing in Apex breaks down to 84% single-family homes and 14% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Apex have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Apex has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
64% of homes in Apex are primarily heated with natural gas.
Wake County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Wake County had 3,267 active NFIP flood policies as of September 2026. See the full Wake 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 | $576,100 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Wake County | 3,267 |
| 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)