Home Insurance in Lucama, North Carolina
The median home value in Lucama is $115,500, 38% lower than the Wilson County median.
The typical home in Lucama was built around 1975. About 28% of homes were built before 1960, about 9 points above Wilson County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lucama is 46% single-family homes and 45% mobile or manufactured homes.
About 64% of owner-occupied homes in Lucama have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Lucama 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. Most homes in Lucama - 73% - are primarily heated with electricity.
Wilson County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Wilson County had 492 active NFIP flood policies as of September 2026. See the full Wilson 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 | $115,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Wilson County | 492 |
| 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)