Home Insurance in Dunn, North Carolina
With a median home value of $193,900, Dunn is 21% lower than the Harnett County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dunn was built around 1973. About 29% of homes were built before 1960, about 18 points above Harnett County's 11%.
Housing in Dunn breaks down to 72% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Dunn, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dunn has an owner-occupancy rate of 54% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
61% of homes in Dunn are primarily heated with electricity.
Harnett County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Harnett County had 352 active NFIP flood policies as of September 2026. See the full Harnett 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 | $193,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Harnett County | 352 |
| 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)