Home Insurance in Archer Lodge, North Carolina
The median home value in Archer Lodge is $324,500, 6% higher than the Johnston County median.
The typical home in Archer Lodge was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 8 points below Johnston County's 10%.
In Archer Lodge, the housing stock is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Archer Lodge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Archer Lodge are owner-occupied.
In Archer Lodge, 86% of homes are primarily heated with electricity.
Johnston County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Johnston County had 543 active NFIP flood policies as of September 2026. See the full Johnston County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $324,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Johnston County | 543 |
| 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)