Home Insurance in Morven, North Carolina
With a median home value of $110,700, Morven is 26% lower than the Anson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morven was built around 1960. About 50% of homes were built before 1960, about 22 points above Anson County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Morven is 73% single-family homes and 24% mobile or manufactured homes.
22% of owner-occupied homes in Morven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Morven are owner-occupied.
In Morven, 47% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $110,700 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)