Home Insurance in Kings Mountain, North Carolina
The median home value in Kings Mountain is $204,100, close to the Cleveland County median.
The typical home in Kings Mountain was built around 1976. About 29% of homes were built before 1960, about 9 points above Cleveland County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Kings Mountain breaks down to 74% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Kings Mountain, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Kings Mountain are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kings Mountain, 56% of homes are primarily heated with electricity.
FEMA rates Cleveland County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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 | $204,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)