Home Insurance in Clayton, North Carolina
The median home value in Clayton is $329,600, 8% higher than the Johnston County median.
The typical home in Clayton was built around 2006. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 6 points below Johnston County's 10%.
The housing stock in Clayton is 79% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 84% of owner-occupied homes in Clayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Clayton are owner-occupied.
Most homes in Clayton - 68% - are primarily heated with electricity.
Johnston County had 543 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Johnston 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 | $329,600 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)