Home Insurance in Sims, North Carolina
With a median home value of $196,900, Sims is 6% higher than the Wilson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sims was built around 2009. About 21% of homes were built before 1960, about 2 points above Wilson County's 19%.
In Sims, the housing stock is 99% single-family homes.
In Sims, about 87% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Sims are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sims - 90% - 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.
FEMA rates Wilson County's overall risk as Relatively Low, led by winter weather (Relatively High). Wilson County had 492 active NFIP flood policies as of September 2026. See the full Wilson 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 | $196,900 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 87% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Wilson County | 492 |
| 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)