Home Insurance in Wendell, North Carolina
With a median home value of $330,500, Wendell is 28% lower 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 Wendell was built around 2010. About 9% of homes were built before 1960, about 4 points above Wake County's 5%.
Housing in Wendell breaks down to 87% single-family homes and 7% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Wendell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wendell has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Wendell - 60% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wake County had 3,267 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Wake 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 | $330,500 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 78% |
| 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)