Home Insurance in Southern Pines, North Carolina
The median home value in Southern Pines is $451,100, 28% higher than the Moore County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Southern Pines was built around 1996. About 14% of homes were built before 1960, about 3 points above Moore County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Southern Pines is 63% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Southern Pines, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Southern Pines has an owner-occupancy rate of 57% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Southern Pines, 78% of homes are primarily heated with electricity.
Moore County had 495 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Moore County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $451,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)