Home Insurance in Wilson's Mills, North Carolina
The median home value in Wilson's Mills is $241,800, 21% lower than the Johnston County median.
The typical home in Wilson's Mills was built around 1997. About 11% of homes were built before 1960, about 1 point above Johnston County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Wilson's Mills is 81% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 68% of owner-occupied homes in Wilson's Mills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilson's Mills has an owner-occupancy rate of 87% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Wilson's Mills, 90% of homes are primarily heated with electricity.
Johnston County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $241,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 87% |
| 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)