Home Insurance in McFarlan, North Carolina
The median home value in McFarlan is $115,000, 23% lower than the Anson County median.
The typical home in McFarlan was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 7 points above Anson County's 28%.
In McFarlan, the housing stock is 59% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in McFarlan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 27% of occupied homes in McFarlan are owner-occupied. The vacancy rate is 8%; 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. 51% of homes in McFarlan are primarily heated with propane.
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.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $115,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)