Home Insurance in Cameron, North Carolina
Homes in Cameron carry a median value of $184,200 - 48% lower than the Moore County median.
The typical home in Cameron was built around 1958. About 54% of homes were built before 1960, about 43 points above Moore County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cameron, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Cameron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Cameron are owner-occupied.
Most homes in Cameron - 69% - 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.
FEMA rates Moore County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Moore County had 495 active NFIP flood policies as of September 2026. See the full Moore 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 | $184,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Moore County | 495 |
| 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)