Winston-salem has 252,037 residents in 103,058 households. We list 4 agencies for home insurance in Winston-salem. Here is what the local numbers say about the cover people here need.

Winston-salem at a glance

4home insurance agencies listed
44.4%of households rentRenters insurance
$233,800median home valueHome insurance
1981median year homes were builtRebuild cost calculator
8.2%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 Forsyth County

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

Ice stormVery High
Inland floodingRelatively High
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.
Flood insurance
Winter weatherRelatively High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Winston-salem
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Winston-salem

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

Where Winston-salem agencies are

Winston-salem agencies we list sit in 4 ZIP codes, mostly in Forsyth County.

271011 agency
271031 agency
271141 agency
271161 agency

Questions

Home insurance in Winston-salem

All insurance agencies in Winston-salem · Home insurance across North Carolina

Where can I find home insurance in Winston-salem?

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 Winston-salem?

FEMA's National Risk Index rates inland flooding risk in Forsyth County as Relatively High 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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