Home Insurance in Lillington, North Carolina
Homes in Lillington carry a median value of $247,200 - close to 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 Lillington was built around 2005. About 21% of homes were built before 1960, about 9 points above Harnett County's 11%.
The housing stock in Lillington is 79% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
87% of owner-occupied homes in Lillington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Lillington are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lillington, 76% of homes are primarily heated with electricity.
Harnett County had 352 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). 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 | $247,200 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 87% |
| 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)