Home Insurance in Williamston, North Carolina
With a median home value of $107,100, Williamston is close to the Martin County median.
The typical home in Williamston was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 18 points above Martin County's 29%.
Housing in Williamston breaks down to 73% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Williamston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Williamston has an owner-occupancy rate of 51% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
73% of homes in Williamston are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $107,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)