Home Insurance in Lumberton, North Carolina
The median home value in Lumberton is $152,600, 61% higher than the Robeson County median.
The typical home in Lumberton was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 11 points above Robeson County's 15%.
The housing stock in Lumberton is 67% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Lumberton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lumberton has an owner-occupancy rate of 44% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Lumberton - 70% - are primarily heated with electricity.
FEMA rates Robeson County's overall risk as Relatively Moderate, led by strong wind (Very High). Robeson County had 1,143 active NFIP flood policies as of September 2026. See the full Robeson 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 | $152,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Robeson County | 1,143 |
| 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)