Homeowners Insurance in Jacksonville, NC

For a home at Jacksonville's median value of $210,100, we estimate about $1,420 a year — −23% versus the North Carolina NAIC average of $1,852.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Jacksonville

Est. premium

$1,420

$118/mo · median home

Median home value

$210,100

North Carolina: $288,900

Median year built

1992

Census ACS

Owner-occupied

38.7%

of households

Hazard score

81.3

state ref. 83.3

Jacksonville's estimate reflects its home values (27% lower than the state median) and FEMA's hazard profile for Onslow County.

Natural hazard risk in Jacksonville

FEMA National Risk Index — Onslow County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	44.4	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	85.8	Comprehensive; dwelling
Hurricane	Very High	99.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	78.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	81.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	80.6	Comprehensive; dwelling
Winter weather	Very High	98.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	85.9	Comprehensive; dwelling
Earthquake	Relatively Low	66.7	Home needs a separate earthquake policy
Lightning	Relatively High	92.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Jacksonville

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,365	$1,255
$300,000	$1,885	$1,735
$500,000	$2,835	$2,610
$750,000	$3,925	$3,610

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Jacksonville

ZIP	Median home value	Owner-occupied	Est. premium
28540	$223,800	61.8%	$1,490
28546	$226,100	57.8%	$1,505

Homeowners insurance in North Carolina · Car insurance in Jacksonville · Insurance offices near Jacksonville

Frequently asked questions

How much is homeowners insurance in Jacksonville?

For a home at Jacksonville's median value of $210,100, we estimate about $1,420 a year for a standard HO-3 policy with a $1,000 deductible. The North Carolina NAIC average is $1,852.

What are the biggest natural hazards in Jacksonville?

FEMA's National Risk Index rates Onslow County relatively high or very high for hurricane, winter weather, and lightning.

Does the age of homes in Jacksonville affect insurance?

Yes. The median home in Jacksonville was built in 1992 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for North Carolina, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Onslow County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page