Home Insurance in Jamestown, North Carolina
With a median home value of $326,800, Jamestown is 26% higher than the Guilford County median.
The typical home in Jamestown was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 2 points below Guilford County's 18%.
The housing stock in Jamestown is 75% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jamestown, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jamestown has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Jamestown - 64% - are primarily heated with natural gas.
Guilford County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Guilford County had 904 active NFIP flood policies as of September 2026. See the full Guilford County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $326,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Guilford County | 904 |
| 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)