Home Insurance in St. Pauls, North Carolina
With a median home value of $111,000, St. Pauls is 17% higher than the Robeson County median.
The typical home in St. Pauls was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 19 points above Robeson County's 15%.
The housing stock in St. Pauls is 65% single-family homes, 10% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Pauls, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in St. Pauls are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In St. Pauls, 64% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in North Carolina is $1,852 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $111,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)