Home Insurance in Oxford, North Carolina
The median home value in Oxford is $196,200, 21% lower than the Granville County median.
The typical home in Oxford was built around 1976. About 33% of homes were built before 1960, about 18 points above Granville County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Oxford, the housing stock is 73% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Oxford are owner-occupied.
Most homes in Oxford - 57% - are primarily heated with electricity.
What's the biggest home insurance risk near Oxford? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Granville County and Granville County had 37 active NFIP flood policies as of September 2026. See the full Granville 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 | $196,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Granville County | 37 |
| 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)