Home Insurance in Robeson County, North Carolina
The median home value in Robeson County is $94,500, 67% lower than the North Carolina median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Robeson County was built around 1986. About 15% of homes were built before 1960, in line with North Carolina (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Robeson County is 52% single-family homes, 4% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
About 36% of owner-occupied homes in Robeson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Robeson County are owner-occupied.
Most homes in Robeson 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.
FEMA's National Risk Index lists strong wind (Very High), tornado (Relatively High) and hurricane (Relatively High) as the leading hazards for Robeson County.
As of September 2026, Robeson County has 1,143 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $94,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Tornado (Relatively High), Hurricane (Relatively High) |
| Active NFIP flood policies (county) | 1,143 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
- Fairmont
- Lumber Bridge
- Lumberton
- Marietta
- Maxton
- McDonald
- Orrum
- Pembroke
- Raynham
- Red Springs
- Rennert
- St. Pauls
Smaller communities
-
Parkton
- Median home value: $151,900
- Median year built: 1975
- Owner-occupied share: 91%
-
Proctorville
- Median home value: $93,000
- Median year built: 1960
- Owner-occupied share: 68%
-
Rowland
- Median home value: $118,000
- Median year built: 1970
- Owner-occupied share: 58%
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)