Home Insurance in Sampson County, North Carolina
Homes in Sampson County carry a median value of $150,700 - 48% lower than the North Carolina median.
The typical home in Sampson County was built around 1988. About 18% of homes were built before 1960, about 4 points above North Carolina's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sampson County is 62% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes.
About 42% of owner-occupied homes in Sampson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Sampson County are owner-occupied. The vacancy rate is 16%; 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. 82% of homes in Sampson County are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), hurricane (Relatively High) and winter weather (Relatively High) as the leading hazards for Sampson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sampson County has 154 active NFIP flood policies on file.
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 | $150,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 154 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)