Home Insurance in Moore County, North Carolina
Homes in Moore County carry a median value of $351,400 - 22% higher than the North Carolina median.
The typical home in Moore County was built around 1994. About 11% of homes were built before 1960, about 3 points below North Carolina's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Moore County is 77% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Moore County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moore County has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Moore County - 81% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Moore County's top hazards are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Moore County has 495 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $351,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 495 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aberdeen
- Cameron
- Carthage
- Foxfire
- Pinebluff
- Pinehurst
- Robbins
- Southern Pines
- Taylortown
- Vass
- Whispering Pines
Sources
- 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)