Home Insurance in Jacksonville, North Carolina
With a median home value of $210,100, Jacksonville is 11% lower than the Onslow County median.
The typical home in Jacksonville was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 7 points above Onslow County's 8%.
The housing stock in Jacksonville is 69% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Jacksonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Jacksonville are owner-occupied.
91% of homes in Jacksonville are primarily heated with electricity.
FEMA rates Onslow County's overall risk as Relatively High, led by hurricane (Very High). Onslow County had 4,875 active NFIP flood policies as of September 2026. See the full Onslow 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 | $210,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Onslow County | 4,875 |
| 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)