Homeowners insurance cost in North Carolina by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
North Carolina overview
Across 100 published counties, the average modeled budget is $1,987/yr, with county estimates ranging from $806 to $4,423 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,621/yr. FEMA risk is a relative signal, not insurer underwriting.
Compare total monthly carrying costs in North Carolina, including mortgage, tax, and insurance benchmarks.
Key county insurance pages in North Carolina
Start with these larger or higher-budget county pages, then use the full table for the rest of the published North Carolina launch wave.
- Wake County: $4,423/yr modeled budget
- Dare County: $4,269/yr modeled budget
- Mecklenburg County: $4,132/yr modeled budget
- Union County: $4,041/yr modeled budget
- Orange County: $3,996/yr modeled budget
- New Hanover County: $3,917/yr modeled budget
- Buncombe County: $3,801/yr modeled budget
- Durham County: $3,784/yr modeled budget
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Alamance County | $241,500 | 77.07 (Relatively Low) | $2,168/yr |
| Alexander County | $211,800 | 45.8 (Relatively Low) | $1,510/yr |
| Alleghany County | $214,800 | 34.67 (Very Low) | $1,390/yr |
| Anson County | $148,600 | 50 (Relatively Low) | $1,096/yr |
| Ashe County | $243,100 | 66.76 (Relatively Low) | $2,034/yr |
| Avery County | $265,800 | 47.49 (Relatively Low) | $1,922/yr |
| Beaufort County | $192,700 | 88.17 (Relatively Moderate) | $1,856/yr |
| Bertie County | $98,500 | 66.38 (Relatively Low) | $917/yr |
| Bladen County | $135,100 | 84.57 (Relatively Moderate) | $1,272/yr |
| Brunswick County | $349,800 | 95.77 (Relatively High) | $3,526/yr |
| Buncombe County | $391,800 | 89.34 (Relatively Moderate) | $3,801/yr |
| Burke County | $185,400 | 70.17 (Relatively Low) | $1,589/yr |
| Cabarrus County | $354,800 | 87.05 (Relatively Moderate) | $3,394/yr |
| Caldwell County | $192,200 | 67.43 (Relatively Low) | $1,616/yr |
| Camden County | $337,100 | 2.54 (Very Low) | $1,543/yr |
| Carteret County | $333,300 | 93.48 (Relatively Moderate) | $3,315/yr |
| Caswell County | $164,500 | 22.36 (Very Low) | $945/yr |
| Catawba County | $241,600 | 80.57 (Relatively Low) | $2,219/yr |
| Chatham County | $446,200 | 67.18 (Relatively Low) | $3,688/yr |
| Cherokee County | $232,300 | 56.71 (Relatively Low) | $1,806/yr |
| Chowan County | $235,800 | 34.29 (Very Low) | $1,521/yr |
| Clay County | $278,400 | 26.88 (Very Low) | $1,674/yr |
| Cleveland County | $200,000 | 70.01 (Relatively Low) | $1,712/yr |
| Columbus County | $146,000 | 86.86 (Relatively Moderate) | $1,395/yr |
| Craven County | $231,600 | 93.58 (Relatively Moderate) | $2,305/yr |
| Cumberland County | $199,200 | 89.47 (Relatively Moderate) | $1,934/yr |
| Currituck County | $378,800 | 18.07 (Very Low) | $2,081/yr |
| Dare County | $460,400 | 89.6 (Relatively Moderate) | $4,269/yr |
| Davidson County | $219,100 | 87.21 (Relatively Moderate) | $2,098/yr |
| Davie County | $253,900 | 41.67 (Very Low) | $1,748/yr |
| Duplin County | $137,400 | 89.41 (Relatively Moderate) | $1,333/yr |
| Durham County | $389,400 | 89.63 (Relatively Moderate) | $3,784/yr |
| Edgecombe County | $125,100 | 76.37 (Relatively Low) | $1,118/yr |
| Forsyth County | $250,400 | 91.54 (Relatively Moderate) | $2,461/yr |
| Franklin County | $284,300 | 51.72 (Relatively Low) | $2,126/yr |
| Gaston County | $266,000 | 84.86 (Relatively Moderate) | $2,510/yr |
| Gates County | $170,800 | 10.46 (Very Low) | $862/yr |
| Graham County | $170,600 | 20.07 (Very Low) | $957/yr |
| Granville County | $247,700 | 59.35 (Relatively Low) | $1,964/yr |
| Greene County | $117,400 | 62.63 (Relatively Low) | $954/yr |
| Guilford County | $259,900 | 93.45 (Relatively Moderate) | $2,584/yr |
| Halifax County | $106,200 | 72.9 (Relatively Low) | $959/yr |
| Harnett County | $246,200 | 75.29 (Relatively Low) | $2,184/yr |
| Haywood County | $279,200 | 77.19 (Relatively Low) | $2,508/yr |
| Henderson County | $351,400 | 83.78 (Relatively Moderate) | $3,293/yr |
| Hertford County | $119,200 | 68.16 (Relatively Low) | $1,007/yr |
| Hoke County | $219,300 | 50.13 (Relatively Low) | $1,620/yr |
| Hyde County | $124,000 | 66.44 (Relatively Low) | $1,035/yr |
| Iredell County | $321,400 | 80.79 (Relatively Low) | $2,955/yr |
| Jackson County | $284,700 | 80.47 (Relatively Low) | $2,613/yr |
| Johnston County | $305,600 | 85.56 (Relatively Moderate) | $2,896/yr |
| Jones County | $130,300 | 64.5 (Relatively Low) | $1,073/yr |
| Lee County | $240,200 | 67.49 (Relatively Low) | $2,020/yr |
| Lenoir County | $120,500 | 84.61 (Relatively Moderate) | $1,135/yr |
| Lincoln County | $321,000 | 73.76 (Relatively Low) | $2,819/yr |
| Macon County | $251,900 | 73.79 (Relatively Low) | $2,212/yr |
| Madison County | $284,600 | 27.35 (Very Low) | $1,719/yr |
| Martin County | $109,700 | 65.46 (Relatively Low) | $911/yr |
| McDowell County | $171,100 | 59.22 (Relatively Low) | $1,356/yr |
| Mecklenburg County | $406,800 | 97.07 (Relatively High) | $4,132/yr |
| Mitchell County | $220,100 | 23.95 (Very Low) | $1,286/yr |
| Montgomery County | $161,700 | 48.95 (Relatively Low) | $1,183/yr |
| Moore County | $351,400 | 75.64 (Relatively Low) | $3,125/yr |
| Nash County | $191,000 | 80.6 (Relatively Low) | $1,754/yr |
| New Hanover County | $387,800 | 96.12 (Relatively High) | $3,917/yr |
| Northampton County | $114,500 | 44.21 (Relatively Low) | $806/yr |
| Onslow County | $236,400 | 94.97 (Relatively High) | $2,372/yr |
| Orange County | $459,500 | 79.07 (Relatively Low) | $3,996/yr |
| Pamlico County | $216,800 | 72.36 (Relatively Low) | $1,886/yr |
| Pasquotank County | $234,600 | 58.68 (Relatively Low) | $1,851/yr |
| Pender County | $299,000 | 86.93 (Relatively Moderate) | $2,858/yr |
| Perquimans County | $231,700 | 37.66 (Very Low) | $1,541/yr |
| Person County | $213,900 | 41.54 (Very Low) | $1,471/yr |
| Pitt County | $208,900 | 89.82 (Relatively Moderate) | $2,032/yr |
| Polk County | $315,000 | 36.93 (Very Low) | $2,081/yr |
| Randolph County | $197,100 | 80.63 (Relatively Low) | $1,811/yr |
| Richmond County | $127,800 | 60.75 (Relatively Low) | $1,024/yr |
| Robeson County | $94,500 | 91.09 (Relatively Moderate) | $1,077/yr |
| Rockingham County | $168,600 | 71.88 (Relatively Low) | $1,462/yr |
| Rowan County | $238,400 | 82.92 (Relatively Moderate) | $2,222/yr |
| Rutherford County | $201,800 | 72.68 (Relatively Low) | $1,759/yr |
| Sampson County | $150,700 | 90.2 (Relatively Moderate) | $1,469/yr |
| Scotland County | $114,900 | 63.65 (Relatively Low) | $940/yr |
| Stanly County | $242,400 | 58.84 (Relatively Low) | $1,915/yr |
| Stokes County | $196,700 | 39.73 (Very Low) | $1,332/yr |
| Surry County | $177,600 | 73.57 (Relatively Low) | $1,557/yr |
| Swain County | $207,000 | 49.11 (Relatively Low) | $1,516/yr |
| Transylvania County | $373,600 | 64.25 (Relatively Low) | $3,071/yr |
| Tyrrell County | $164,500 | 46.02 (Relatively Low) | $1,175/yr |
| Union County | $417,300 | 89.06 (Relatively Moderate) | $4,041/yr |
| Vance County | $161,500 | 48.38 (Relatively Low) | $1,176/yr |
| Wake County | $461,300 | 95.55 (Relatively High) | $4,423/yr |
| Warren County | $154,200 | 50.76 (Relatively Low) | $1,145/yr |
| Washington County | $125,900 | 59.64 (Relatively Low) | $1,001/yr |
| Watauga County | $358,900 | 71.85 (Relatively Low) | $3,111/yr |
| Wayne County | $178,700 | 90.39 (Relatively Moderate) | $1,745/yr |
| Wilkes County | $168,800 | 82.63 (Relatively Moderate) | $1,571/yr |
| Wilson County | $186,000 | 76.27 (Relatively Low) | $1,661/yr |
| Yadkin County | $181,200 | 38.36 (Very Low) | $1,212/yr |
| Yancey County | $243,100 | 42.24 (Very Low) | $1,682/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.