Home Insurance in Johnston County, North Carolina
With a median home value of $305,600, Johnston County is 6% higher than the North Carolina median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Johnston County was built around 2000. About 10% of homes were built before 1960, about 4 points below North Carolina's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Johnston County is 79% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Johnston County, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Johnston County has an owner-occupancy rate of 76% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Johnston County, 78% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Johnston County, per FEMA's National Risk Index, are winter weather (Very High), tornado (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Johnston County has 543 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $305,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 543 |
| Home insurance premium | $1,852 - statewide average (NAIC, 2023 data) |
Towns and cities
- Archer Lodge
- Benson
- Clayton
- Four Oaks
- Kenly
- Micro
- Pine Level
- Princeton
- Selma
- Smithfield
- Wilson's Mills
Sources
- 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)