Home Insurance in Pollocksville, North Carolina
Homes in Pollocksville carry a median value of $162,100 - 24% higher than the Jones County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pollocksville was built around 1960. About 50% of homes were built before 1960, about 30 points above Jones County's 21%.
In Pollocksville, the housing stock is 73% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Pollocksville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Pollocksville are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pollocksville, 63% of homes are primarily heated with electricity.
FEMA rates Jones County's overall risk as Relatively Low, led by hurricane (Relatively High). Jones County had 224 active NFIP flood policies as of September 2026. See the full Jones 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 | $162,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jones County | 224 |
| 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)