Home Insurance in St. James, North Carolina
Homes in St. James carry a median value of $636,800 - 82% higher than the Brunswick County median.
The typical home in St. James was built around 2011. About 2% of homes were built before 1960, about 1 point below Brunswick County's 3%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in St. James breaks down to 90% single-family homes and 9% apartments in buildings with 5+ units.
In St. James, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in St. James are owner-occupied. The vacancy rate is 18%; 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 St. James - 75% - are primarily heated with electricity.
Brunswick County had 20,489 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Brunswick 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 home value | $636,800 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Brunswick County | 20,489 |
| 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)