Home Insurance in Grover, North Carolina
Homes in Grover carry a median value of $127,800 - 36% lower than the Cleveland County median.
The typical home in Grover was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 20 points above Cleveland County's 19%.
The housing stock in Grover is 74% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grover, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grover has an owner-occupancy rate of 64% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
73% of homes in Grover are primarily heated with electricity.
Cleveland County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Cleveland County had 37 active NFIP flood policies as of September 2026. See the full Cleveland County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $127,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Cleveland County | 37 |
| 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)