What changed in your North Carolina homeowners rates, and how long do you have?
North Carolina prices homeowners insurance by territory, and the 2025 settlement approved very different increases from one county to the next. Look up your county, see which last-resort program fits, then check what your non-renewal notice date gives you. This is not a premium quote.
See your territory's approved rate changes.
Nothing here is sent anywhere — the math runs in your browser. The figures are average homeowners base-rate changes approved for each NCDOI territory, effective June 1, 2025 and June 1, 2026. Your own premium will not move by exactly that amount.
Check what your notice date gives you.
North Carolina's 45-day non-renewal rule doesn't cover homeowners policies, so there is no statutory countdown on your letter that we could find. The Department of Insurance's consumer guide describes 30 days. Enter your two dates to see where you stand against that figure.
All 29 homeowners rate territories.
Average base-rate changes approved in the settlement NCDOI announced on January 17, 2025, by territory, with the Rate Bureau's original request for comparison. Shaded red: a 2026 step of 10% or more. Shaded green: 1% or less.
| Terr. | Where | Rate Bureau asked | June 2025 | June 2026 | Combined |
|---|---|---|---|---|---|
| 110 | Beach areas in Currituck, Dare and Hyde Counties | 45.1% | +5.1% | +4.8% | +10.1% |
| 120 | Beach areas in Brunswick, Carteret, New Hanover, Onslow and Pender Counties | 99.4% | +16.0% | +15.9% | +34.4% |
| 130 | Coastal areas in Currituck, Dare, Hyde and Pamlico Counties | 33.9% | +2.8% | +2.8% | +5.7% |
| 140 | Eastern coastal areas of Brunswick, Carteret, New Hanover, Onslow and Pender Counties | 71.4% | +10.5% | +10.1% | +21.7% |
| 150 | Coastal areas in Beaufort, Camden, Chowan, Craven, Jones, Pasquotank, Perquimans, Tyrrell and Washington Counties | 25.6% | +1.0% | +0.9% | +1.9% |
| 160 | Western coastal areas of Brunswick, Carteret, New Hanover, Onslow and Pender Counties | 43.0% | +5.0% | +4.8% | +10.0% |
| 170 | Gates and Hertford Counties | 30.4% | +5.7% | +5.7% | +11.7% |
| 180 | Bertie, Greene, Martin, Pitt and Wayne Counties | 57.8% | +10.8% | +10.7% | +22.7% |
| 190 | Duplin and Lenoir Counties | 71.3% | +13.6% | +13.5% | +28.9% |
| 200 | Columbus County | 63.1% | +11.1% | +10.8% | +23.1% |
| 210 | Edgecombe and Wilson Counties | 57.8% | +11.6% | +11.6% | +24.5% |
| 220 | Cumberland and Sampson Counties | 45.5% | +8.7% | +8.7% | +18.2% |
| 230 | Bladen and Robeson Counties | 56.1% | +10.9% | +10.9% | +23.0% |
| 240 | Franklin, Halifax, Johnston, Nash and Northampton Counties | 40.8% | +7.9% | +7.8% | +16.3% |
| 250 | Harnett, Hoke and Scotland Counties | 39.9% | +7.7% | +7.6% | +15.9% |
| 260 | Granville, Person, Vance and Warren Counties | 39.3% | +8.7% | +8.8% | +18.3% |
| 270 | Cities of Durham and Raleigh; Durham and Wake Counties | 39.8% | +7.5% | +7.5% | +15.6% |
| 280 | Chatham and Orange Counties | 25.1% | +3.4% | +3.2% | +6.7% |
| 290 | Lee and Moore Counties | 28.4% | +4.2% | +4.0% | +8.4% |
| 300 | Anson, Montgomery and Richmond Counties | 26.1% | +4.9% | +4.5% | +9.6% |
| 310 | Cities of Greensboro and Winston-Salem; Caswell County; Alamance, Forsyth and Guilford Counties; Davie, Rockingham, Stokes and Surry Counties | 36.6% | +8.2% | +8.3% | +17.2% |
| 320 | Davidson and Randolph Counties; Cabarrus and Rowan Counties | 25.1% | +4.8% | +4.9% | +9.9% |
| 330 | Yadkin County | 22.3% | +4.7% | +4.7% | +9.6% |
| 340 | City of Charlotte; Mecklenburg and Union Counties; Alexander, Iredell, Stanly and Wilkes Counties | 41.3% | +9.3% | +9.2% | +19.4% |
| 350 | Gaston County; Cleveland, Lincoln and Rutherford Counties | 27.8% | +6.3% | +6.4% | +13.1% |
| 360 | Alleghany, Ashe, Buncombe, Burke, Caldwell, Catawba, Henderson, McDowell, Polk, Watauga and Yancey Counties | 20.5% | +4.4% | +4.5% | +9.1% |
| 370 | Avery and Mitchell Counties | 7.6% | +0.7% | +0.9% | +1.6% |
| 380 | Haywood, Madison, Swain and Transylvania Counties | 4.3% | 0.0% | 0.0% | 0.0% |
| 390 | Cherokee, Clay, Graham, Jackson and Macon Counties | 8.5% | +1.3% | +1.2% | +2.5% |
- The percentages are NCDOI's published settlement figures by territory; the effective dates (new and renewal policies on or after June 1, 2025 and June 1, 2026) come from the Rate Bureau's circular P-25-1. The county-to-territory lists are NCDOI's own wording, entered as published.
- The what-if multiplies the premium you enter by the territory's approved change for the steps your premium hasn't absorbed yet. It is an average base-rate move, not a forecast of your bill.
- We don't estimate dollar premiums from scratch. We couldn't confirm the base conditions behind the Rate Bureau's base premiums, and we found no published average residential premium for the NCJUA or NCIUA.
- NCDOI labels territories 110–120 “beach areas” and 130–160 “coastal areas.” Which last-resort plan can write your property turns on the statutory Beach Area definition in G.S. 58-45-5, so confirm your exact address with an agent or the associations.
What people ask before trusting a calculator.
How accurate is this North Carolina rate calculator?
It isn't a quote. It shows the average base-rate change that the 2025 homeowners settlement approved for each NCDOI rate territory, and the optional what-if multiplies the premium you enter by that territory average. Your own premium also depends on your coverage amounts, deductible, construction, protection class, claims history and discounts, none of which this tool knows. For a number you can bind, get quotes from a licensed North Carolina agent.
Why doesn't it estimate my premium in dollars?
The Rate Bureau's circular lists base class premiums by territory, but we couldn't confirm the base conditions (coverage amount, deductible, construction and protection class) those figures assume, and we couldn't find a published average residential premium for either the NCJUA or the NCIUA. Rather than guess a dollar figure, the calculator shows the percentage changes that are in the official filing and applies them only to a premium you supply.
My county shows more than one territory. Which one is mine?
North Carolina splits its coastal counties into several rate territories: beach areas, eastern and western coastal areas, and so on. NCDOI describes them in words, and we can't place a street address from a county alone. Your insurer's declarations page or your agent can tell you which territory you're rated in. If you're not sure, choose “Not sure — show all” and the tool shows every possibility.
Does the 45-day notice rule apply to my homeowners policy?
The 45-day non-renewal rule in G.S. 58-41-20 sits in Article 41 of the insurance code, and Article 41's scope clause excludes the Rate Bureau's homeowners and dwelling-fire programs. The Department of Insurance's consumer guide describes 30 days' notice instead, as guidance rather than a statute. The notice tool below checks your dates against that 30-day figure. See North Carolina: the law, plain language for the sources.
When can homeowners rates change again?
The settlement NCDOI announced in January 2025 provides that the Rate Bureau won't file for a new homeowners base-rate change before June 1, 2027. Separately, a Rate Bureau circular describes a new 2027 homeowners policy program with new forms, effective June 1, 2027; ask your agent how that affects your renewal.
Do these rate changes apply to NCIUA or NCJUA policies?
By statute (G.S. 58-45-45) the NCIUA's rates are the Rate Bureau's manual rates plus a surcharge, so the territory changes here are the movement underneath NCIUA homeowners pricing, before that surcharge. The NCJUA writes dwelling forms, and dwelling fire is a separate Rate Bureau program: NCDOI announced an April 2026 settlement averaging 5% a year, effective October 1, 2026 and October 1, 2027. We couldn't confirm whether the NCJUA's own rates follow that settlement.