Homeowner Insurance Costs in Madison County, NC

How much does homeowner insurance cost in Madison County? Here's what to expect.

Est. Annual Premium

$1,300

Monthly Cost

$108

Median Home Value

$236,300

% of Income

2.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$236,300
Personal Property (C)$118,150
Liability (E)$300,000
Deductible$2,363

Cost Context

Homeownership Rate76.8%
Median Income$56,664
Property Tax Rate0.5%
Population21,414

About Insurance in Madison County

Homeowner insurance in Madison County, North Carolina costs an estimated $1,300 per year for a median-value home of $236,300. This represents approximately 2.3% of the median household income of $56,664.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in North Carolina

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.