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Home insurance & flood costs in ZIP 27284 (Kernersville, NC)

Plain facts for homeowners in Kernersville: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 27284 at a glance

Four numbers most homeowners ask about first.

$1,187
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$968
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

2.38%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

6.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 27284 in numbers
$10,579
average paid claim (2022)
+8%
premium change 2018–2022, after inflation
1.91%
cancelled by insurers mid-term (2022)
56
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 27284 was $1,187 in 2022, 3% below the Forsyth County typical ZIP ($1,227) and 23% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 8% between 2018 and 2022. About 6.1% of policies here had a paid claim in 2022, and insurers chose not to renew 2.38% of policies.

Forsyth County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 27284ForsythU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 27284 in 2025 cost $968, based on 56 policies, compared with $859 in 2022. About 32% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

56 policies
A zones 32%X/B/C zones 68%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Forsyth County

The chart shows the share of homeowners policies in ZIP 27284 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Forsyth County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Ice storm98 · Very High
  • Inland flooding95 · Relatively High
  • Winter weather92 · Relatively High
  • Tornado91 · Relatively High
  • Cold wave90 · Relatively High

Other ZIP codes in Forsyth County

Average premium per policy in 2022 (Treasury FIO).

27012 Clemmons · $1,33527023 Lewisville · $1,44027040 Pfafftown · $1,26627045 Rural Hall · $1,11527051 Walkertown · $1,08327101 Winston-Salem · $1,27127103 Winston-Salem · $1,15227104 Winston-Salem · $1,64027105 Winston-Salem · $1,14027106 Winston-Salem · $1,45927127 Winston-Salem · $1,105

Practical next steps

Simple things homeowners in ZIP 27284 can do with this information.

Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.