Home Insurance in Orrum, North Carolina
The typical home in Orrum was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 28 points above Robeson County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orrum is 54% single-family homes and 35% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Orrum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Orrum are owner-occupied.
88% of homes in Orrum 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 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.
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 year built | 1972 |
|---|---|
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)