Home Insurance in Jamesville, North Carolina
With a median home value of $97,600, Jamesville is 11% lower than the Martin County median.
The typical home in Jamesville was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 25 points above Martin County's 29%.
The housing stock in Jamesville is 72% single-family homes, 12% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Jamesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Jamesville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Jamesville are primarily heated with propane.
FEMA rates Martin County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Martin County had 89 active NFIP flood policies as of September 2026. See the full Martin 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 | $97,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Martin County | 89 |
| 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)