Home Insurance in Fayetteville, North Carolina
With a median home value of $188,000, Fayetteville is 6% lower than the Cumberland County median.
The typical home in Fayetteville was built around 1984. About 11% of homes were built before 1960, about 1 point above Cumberland County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fayetteville, the housing stock is 64% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Fayetteville, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 47% of occupied homes in Fayetteville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fayetteville - 73% - are primarily heated with electricity.
Cumberland County had 1,546 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Cumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $188,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cumberland County | 1,546 |
| 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)