HomeInsuranceQts

Home Insurance in Stem, North Carolina

With a median home value of $240,500, Stem is close to the Granville County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stem was built around 2011. About 12% of homes were built before 1960, about 2 points below Granville County's 15%.

In Stem, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.

About 79% of owner-occupied homes in Stem have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Stem are owner-occupied.

75% of homes in Stem are primarily heated with electricity.

FEMA rates Granville County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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$240,500
Median year built2011
Owner-occupied share98%
Share of owner-occupied homes with a mortgage79%
Top county hazardHurricane (Relatively Moderate)
Active NFIP policies in Granville County37
Home insurance premium$1,852 - statewide average (NAIC, 2023 data)
Key home insurance figures for Stem, NC

Nearby towns

Sources

Data last updated: 2026-09-29