Home Insurance in Wilson, North Carolina
With a median home value of $210,700, Wilson is 13% higher than the Wilson 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 Wilson was built around 1983. About 23% of homes were built before 1960, about 3 points above Wilson County's 19%.
The housing stock in Wilson is 65% single-family homes, 12% apartments in buildings with 5+ units and 4% 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.
66% of owner-occupied homes in Wilson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Wilson are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wilson - 62% - are primarily heated with electricity.
Wilson County had 492 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Wilson 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 | $210,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Wilson County | 492 |
| 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)