Home Insurance in Youngsville, North Carolina
With a median home value of $434,100, Youngsville is 53% higher than the Franklin County median.
The typical home in Youngsville was built around 2007. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 6 points above Franklin County's 11%.
The housing stock in Youngsville is 77% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Youngsville, about 85% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Youngsville has an owner-occupancy rate of 63% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Youngsville - 59% - are primarily heated with electricity.
Franklin County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Franklin County had 85 active NFIP flood policies as of September 2026. See the full Franklin 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 | $434,100 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Franklin County | 85 |
| 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)