Home Insurance in Cumberland County, North Carolina
With a median home value of $199,200, Cumberland County is 31% lower than the North Carolina median.
The typical home in Cumberland County was built around 1988. About 10% of homes were built before 1960, about 4 points below North Carolina's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cumberland County, the housing stock is 67% single-family homes, 18% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cumberland County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Cumberland County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Cumberland County are primarily heated with electricity.
The top hazards for Cumberland County, per FEMA's National Risk Index, are winter weather (Very High), hurricane (Relatively High) and tornado (Relatively High).
As of September 2026, Cumberland County has 1,546 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $199,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hurricane (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 1,546 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)