Durham has 291,467 residents in 126,550 households. We list 4 agencies for home insurance in Durham. Here is what the local numbers say about the cover people here need.

Durham at a glance

4home insurance agencies listed
47.7%of households rentRenters insurance
$392,800median home valueHome insurance
1995median year homes were builtRebuild cost calculator
7.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Durham County

FEMA rates the overall natural hazard risk in Durham County, where most Durham agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Durham
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Durham
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Durham
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Durham agencies are

Durham agencies we list sit in 3 ZIP codes, mostly in Durham County.

277052 agencies
277041 agency
277131 agency

Questions

Home insurance in Durham

All insurance agencies in Durham · Home insurance across North Carolina

Where can I find home insurance in Durham?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Durham?

FEMA's National Risk Index rates inland flooding risk in Durham County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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