Home Insurance in Kingstown, North Carolina
Homes in Kingstown carry a median value of $92,400 - 54% lower than the Cleveland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kingstown was built around 1974. About 4% of homes were built before 1960, about 15 points below Cleveland County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kingstown is 95% single-family homes and 5% mobile or manufactured homes.
39% of owner-occupied homes in Kingstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kingstown has an owner-occupancy rate of 72% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kingstown - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Kingstown? FEMA's National Risk Index points to earthquake (Relatively Low) in Cleveland County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $92,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 72% |
| 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)