Home Insurance in Pinetops, North Carolina
With a median home value of $136,500, Pinetops is 9% higher than the Edgecombe County median.
The typical home in Pinetops was built around 1973. About 30% of homes were built before 1960, about 3 points above Edgecombe County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pinetops is 78% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Pinetops, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Pinetops are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pinetops, 42% of homes are primarily heated with propane.
Edgecombe County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Edgecombe County had 740 active NFIP flood policies as of September 2026. See the full Edgecombe 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 | $136,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Edgecombe County | 740 |
| 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)