Home Insurance in Benson, North Carolina
With a median home value of $279,800, Benson is 8% lower than the Johnston County median.
The typical home in Benson was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 13 points above Johnston County's 10%.
In Benson, the housing stock is 76% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Benson, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Benson are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Benson - 81% - are primarily heated with electricity.
FEMA rates Johnston County's overall risk as Relatively Moderate, led by winter weather (Very High). Johnston County had 543 active NFIP flood policies as of September 2026. See the full Johnston County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $279,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Johnston County | 543 |
| 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)