It was Howard's first 3 of the season after missing his previous seven.
The game was tied three different times in the final three minutes. UT Martin's Jacolby Mobley made a layup to knot it at 71 and, after a James Madison miss, Myles Taylor hit a shot for a two-point lead.
Mobley led UT Martin (1-4) with 16 points and Chandler Rowe had 14. Howard finished with five points on 2-of-8 shooting. The Skyhawks made 54.5 percent of their shots, including 12 of 27 3-pointers.
Curry scored 21 points for James Madison (2-3), which made 11 of 30 shots beyond the arc.