Home Insurance in Grantsboro, North Carolina
The median home value in Grantsboro is $153,800, 29% lower than the Pamlico 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 Grantsboro was built around 1985. About 13% of homes were built before 1960, in line with Pamlico County (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grantsboro is 58% single-family homes and 42% mobile or manufactured homes.
About 47% of owner-occupied homes in Grantsboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grantsboro has an owner-occupancy rate of 76% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Grantsboro, 85% of homes 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 Pamlico County's overall risk as Relatively Low, led by hurricane (Relatively High). Pamlico County had 1,931 active NFIP flood policies as of September 2026. See the full Pamlico 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 | $153,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Pamlico County | 1,931 |
| 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)