Lumberton Insurance Agency Inc.
810 E 2nd St, Lumberton, NC 28358
View this agency's profile to learn more about their services.
Loading...
City directory
Lumberton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
810 E 2nd St, Lumberton, NC 28358
View this agency's profile to learn more about their services.
111 E. Third St., Lumberton, NC 28358
View this agency's profile to learn more about their services.
111 E 3rd St, Lumberton, NC 28358
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lumberton residents.
Home insurance in Lumberton, NC requires flood coverage after Hurricanes Matthew & Florence. Get rates, coverage tips, and protect your Lumber River home.
Car InsuranceLumberton drivers pay $1,200-$1,600 annually for auto insurance. Learn about NC's new 50/100/50 requirements, at-fault rules, and how to save on coverage.
No, standard homeowners insurance policies do not cover flood damage anywhere in North Carolina, including Lumberton. You need a separate flood insurance policy through either the National Flood Insurance Program or a private insurer. Given Lumberton's history with Hurricane Matthew and Florence, flood insurance is essential for protecting your home and belongings.
The average flood insurance policy through the National Flood Insurance Program costs $874 per year in North Carolina, though your actual cost depends on your home's flood risk, elevation, and coverage amount. Private flood insurance may be cheaper or more expensive depending on the provider. Get quotes from multiple sources to find the best rate for your specific property.
Yes, you should strongly consider it in Lumberton. Recent studies show that over 40% of properties that flooded in North Carolina over the past 30 years were outside designated flood zones. The Lumber River has repeatedly exceeded historical flood predictions, meaning official flood maps don't tell the whole story. Flood insurance is relatively affordable and could save you from financial devastation.
North Carolina homeowners insurance rates increased by 7.5% in June 2025 and will increase another 7.5% in June 2026, adding approximately $500 to annual premiums by mid-2026. This brings the average annual cost to between $3,700 and $4,250 depending on coverage levels. While significant, this is much lower than the 42% increase insurers originally requested.
No, flood insurance policies have a mandatory 30-day waiting period before coverage takes effect. You cannot purchase a policy when a storm is approaching and expect immediate coverage. This is why you need to plan ahead and secure flood insurance well before hurricane season, especially in a flood-prone area like Lumberton.
Hurricane Matthew in 2016 brought 20 inches of rain and caused the Lumber River to crest at 28 feet, the highest on record at the time. Two years later, Hurricane Florence exceeded that, cresting at 29 feet and damaging or destroying over 600 homes. Most displaced residents did not have flood insurance, leaving them to cover massive losses out of pocket.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network