Home Insurance in Pink Hill, North Carolina
With a median home value of $99,300, Pink Hill is 18% lower than the Lenoir County median.
The typical home in Pink Hill was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 27 points above Lenoir County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pink Hill is 66% single-family homes, 4% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
In Pink Hill, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Pink Hill are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Pink Hill are primarily heated with electricity.
What's the biggest home insurance risk near Pink Hill? FEMA's National Risk Index points to winter weather (Relatively High) in Lenoir County and Lenoir County had 453 active NFIP flood policies as of September 2026. See the full Lenoir 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 | $99,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lenoir County | 453 |
| 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)