Homeowners Insurance in Mooresville, NC

For a home at Mooresville's median value of $390,900, we estimate about $2,185 a year — +18% versus the North Carolina NAIC average of $1,852.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Mooresville

Est. premium

$2,185

$182/mo · median home

Median home value

$390,900

North Carolina: $288,900

Median year built

2006

Census ACS

Owner-occupied

58.3%

of households

Hazard score

71.1

state ref. 83.3

Mooresville's estimate reflects its home values (35% higher than the state median) and FEMA's hazard profile for Iredell County.

Natural hazard risk in Mooresville

FEMA National Risk Index — Iredell County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	53.7	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	85.9	Comprehensive; dwelling
Hurricane	Relatively Low	70.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	86.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	83.9	Comprehensive; dwelling
Winter weather	Relatively Low	59.9	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	43.3	Comprehensive; dwelling
Earthquake	Relatively Low	79.8	Home needs a separate earthquake policy
Lightning	Relatively Moderate	76.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Mooresville

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,280	$1,175
$300,000	$1,770	$1,625
$500,000	$2,660	$2,450
$750,000	$3,680	$3,385

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Homeowners insurance by ZIP code in Mooresville

ZIP	Median home value	Owner-occupied	Est. premium
28117	$615,200	67.9%	$3,140
28115	$360,100	74.4%	$2,045

Homeowners insurance in North Carolina · Car insurance in Mooresville · Insurance offices near Mooresville

Frequently asked questions

How much is homeowners insurance in Mooresville?

For a home at Mooresville's median value of $390,900, we estimate about $2,185 a year for a standard HO-3 policy with a $1,000 deductible. The North Carolina NAIC average is $1,852.

What are the biggest natural hazards in Mooresville?

FEMA's National Risk Index does not rate Iredell County as relatively high for any single hazard.

Does the age of homes in Mooresville affect insurance?

Yes. The median home in Mooresville was built in 2006 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for North Carolina, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Iredell County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page