Home Insurance in Rolesville, North Carolina
With a median home value of $535,000, Rolesville is 16% higher than the Wake County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rolesville was built around 2013. About 3% of homes were built before 1960, about 3 points below Wake County's 5%.
In Rolesville, the housing stock is 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
89% of owner-occupied homes in Rolesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Rolesville are owner-occupied.
In Rolesville, 68% of homes 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.
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 | $535,000 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 89% |
| 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)