Home Insurance in Raynham, North Carolina
The typical home in Raynham was built around 1975. About 4% of homes were built before 1960, about 11 points below Robeson County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Raynham is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Raynham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Raynham are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 70% of homes in Raynham are primarily heated with electricity.
Robeson County had 1,143 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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 year built | 1975 |
|---|---|
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)