Home Insurance in Garner, North Carolina
Homes in Garner carry a median value of $355,000 - 23% lower than the Wake County median.
The typical home in Garner was built around 2001. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 5 points above Wake County's 5%.
The housing stock in Garner is 70% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Garner, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Garner are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Garner are primarily heated with electricity.
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.
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 | $355,000 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)