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Homeowners insurance cost in Durham County, North Carolina

A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.

Estimated annual insurance budget

For a $389,400 home (the county median):

$3,784/yr (budgeting range $2,270–$5,298)

Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.

What drives this estimate

NAIC HO-3 state average
$1,621/yr
FEMA county risk percentile
89.63 (Relatively Moderate)
Illustrative PITI
$2,542/mo

The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.

Local cost context

Durham County is ranked 18 from highest to lowest effective property-tax rate among 100 published North Carolina counties.

Its 0.79% effective tax rate is 0.12 percentage points above the state published-county average of 0.67%.

The county median home value of $389,400 is $169,700 above the North Carolina county median of $219,700.

FEMA risk percentile: 89.63 (Relatively Moderate). This is relative risk context, not an underwriting score.

Similar-rate counties

Common questions about Durham County insurance costs

How much is homeowners insurance in Durham County, North Carolina?
A planning estimate is $3,784 per year for the county median home value of $389,400. The budgeting range is $2,270 to $5,298 because carrier quotes depend on property-specific underwriting.
Why can the real quote be different from this Durham County estimate?
The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
What is the combined monthly carrying-cost estimate in Durham County?
With the page assumptions, monthly PITI is about $2,542. That includes principal and interest, $3,092/yr in estimated property tax, and $3,784/yr in modeled homeowners insurance.

Estimate insurance and total monthly cost

Annual insurance$3,784
Annual property tax$3,092
Monthly P&I$1,969
Estimated monthly total$2,542

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Sources, freshness & method

Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.

NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.

Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.

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.