Home Insurance in Yadkinville, North Carolina
The median home value in Yadkinville is $183,800, close to the Yadkin County median.
The typical home in Yadkinville was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, in line with Yadkin County (20%).
The housing stock in Yadkinville is 59% single-family homes, 18% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Yadkinville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Yadkinville has an owner-occupancy rate of 53% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Yadkinville, 87% of homes are primarily heated with electricity.
Yadkin County had 58 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Yadkin 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 | $183,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Yadkin County | 58 |
| 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)