Home Insurance in Simpson, North Carolina
The median home value in Simpson is $177,800, 15% lower than the Pitt County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Simpson was built around 1983. About 25% of homes were built before 1960, about 15 points above Pitt County's 10%.
In Simpson, the housing stock is 79% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Simpson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Simpson are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Simpson are primarily heated with electricity.
Pitt County had 1,671 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Pitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $177,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Pitt County | 1,671 |
| 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)