Home Insurance in Pembroke, North Carolina
The median home value in Pembroke is $129,400, 37% higher than the Robeson County median.
The typical home in Pembroke was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 4 points above Robeson County's 15%.
The housing stock in Pembroke is 49% single-family homes, 28% apartments in buildings with 5+ units and 4% 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.
43% of owner-occupied homes in Pembroke carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pembroke has an owner-occupancy rate of 31% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Pembroke - 86% - are primarily heated with electricity.
Robeson County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 home value | $129,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)