Home Insurance in Lilesville, North Carolina
With a median home value of $116,200, Lilesville is 22% lower than the Anson County median.
The typical home in Lilesville was built around 1966. About 34% of homes were built before 1960, about 6 points above Anson County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lilesville is 75% single-family homes and 25% mobile or manufactured homes.
In Lilesville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Lilesville are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lilesville - 55% - are primarily heated with electricity.
FEMA rates Anson County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Anson County had 7 active NFIP flood policies as of September 2026. See the full Anson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $116,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Anson County | 7 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)