$2,080
North Carolina county average (2024)
98 of 100
Counties with data
$4,960
Highest: Dare
$1,328
Lowest: Rockingham
North Carolina counties by home insurance cost
All 98 natively covered North Carolina counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Dare | $4,960 | +153% | 0.81% |
| 2 | Carteret | $4,218 | +115% | 0.88% |
| 3 | New Hanover | $3,670 | +87% | 0.81% |
| 4 | Pender | $3,646 | +86% | 0.83% |
| 5 | Brunswick | $3,522 | +79% | 0.86% |
| 6 | Currituck | $3,374 | +72% | 0.61% |
| 7 | Camden | $3,365 | +71% | 0.84% |
| 8 | Pamlico | $3,218 | +64% | 1.12% |
| 9 | Chowan | $2,887 | +47% | 1.20% |
| 10 | Perquimans | $2,740 | +40% | 0.95% |
| 11 | Craven | $2,656 | +35% | 0.95% |
| 12 | Beaufort | $2,517 | +28% | 1.05% |
| 13 | Washington | $2,516 | +28% | 2.17% |
| 14 | Onslow | $2,510 | +28% | 0.85% |
| 15 | Jones | $2,497 | +27% | 1.82% |
| 16 | Columbus | $2,467 | +26% | 1.28% |
| 17 | Northampton | $2,443 | +24% | 2.14% |
| 18 | Bladen | $2,412 | +23% | 1.53% |
| 19 | Pasquotank | $2,393 | +22% | 0.88% |
| 20 | Iredell | $2,345 | +19% | 0.60% |
| 21 | Robeson | $2,278 | +16% | 1.63% |
| 22 | Lee | $2,271 | +16% | 0.77% |
| 23 | Mecklenburg | $2,238 | +14% | 0.53% |
| 24 | Pitt | $2,206 | +12% | 0.89% |
| 25 | Cumberland | $2,193 | +12% | 0.94% |
| 26 | Duplin | $2,162 | +10% | 1.12% |
| 27 | Moore | $2,154 | +10% | 0.51% |
| 28 | Nash | $2,128 | +8% | 0.88% |
| 29 | Sampson | $2,117 | +8% | 1.36% |
| 30 | Scotland | $2,105 | +7% | 1.41% |
| 31 | Lenoir | $2,103 | +7% | 1.33% |
| 32 | Richmond | $2,097 | +7% | 1.53% |
| 33 | Lincoln | $2,095 | +7% | 0.51% |
| 34 | Ashe | $2,091 | +7% | 0.57% |
| 35 | Graham | $2,089 | +6% | 0.90% |
| 36 | Gaston | $2,080 | +6% | 0.69% |
| 37 | Wake | $2,071 | +6% | 0.43% |
| 38 | Gates | $2,061 | +5% | 0.80% |
| 39 | Chatham | $2,059 | +5% | 0.36% |
| 40 | Bertie | $2,053 | +5% | 3.30% |
| 41 | Martin | $2,052 | +5% | 1.56% |
| 42 | Hoke | $2,025 | +3% | 0.72% |
| 43 | Wayne | $2,018 | +3% | 1.06% |
| 44 | Harnett | $2,013 | +3% | 0.67% |
| 45 | Orange | $2,003 | +2% | 0.39% |
| 46 | Montgomery | $1,997 | +2% | 1.00% |
| 47 | Rowan | $1,994 | +2% | 0.71% |
| 48 | Henderson | $1,979 | +1% | 0.46% |
| 49 | Transylvania | $1,968 | 0% | 0.41% |
| 50 | Edgecombe | $1,958 | 0% | 1.39% |
| 51 | Polk | $1,948 | -1% | 0.61% |
| 52 | Clay | $1,947 | -1% | 0.56% |
| 53 | Franklin | $1,931 | -2% | 0.53% |
| 54 | Greene | $1,915 | -2% | 1.04% |
| 55 | Madison | $1,888 | -4% | 0.48% |
| 56 | Alamance | $1,860 | -5% | 0.62% |
| 57 | Swain | $1,854 | -6% | 0.56% |
| 58 | Alexander | $1,839 | -6% | 0.68% |
| 59 | Warren | $1,826 | -7% | 0.79% |
| 60 | Union | $1,822 | -7% | 0.40% |
| 61 | Rutherford | $1,814 | -8% | 0.81% |
| 62 | Durham | $1,799 | -8% | 0.45% |
| 63 | Haywood | $1,784 | -9% | 0.51% |
| 64 | Anson | $1,768 | -10% | 1.16% |
| 65 | Hertford | $1,762 | -10% | 1.43% |
| 66 | Yadkin | $1,748 | -11% | 0.71% |
| 67 | McDowell | $1,746 | -11% | 0.66% |
| 68 | Watauga | $1,744 | -11% | 0.34% |
| 69 | Yancey | $1,742 | -11% | 0.54% |
| 70 | Cabarrus | $1,729 | -12% | 0.44% |
| 71 | Granville | $1,726 | -12% | 0.54% |
| 72 | Alleghany | $1,720 | -12% | 0.64% |
| 73 | Avery | $1,715 | -13% | 0.43% |
| 74 | Mitchell | $1,697 | -14% | 0.70% |
| 75 | Johnston | $1,696 | -14% | 0.49% |
| 76 | Halifax | $1,689 | -14% | 1.62% |
| 77 | Cherokee | $1,674 | -15% | 0.61% |
| 78 | Burke | $1,651 | -16% | 0.63% |
| 79 | Randolph | $1,638 | -17% | 0.63% |
| 80 | Jackson | $1,630 | -17% | 0.36% |
| 81 | Wilson | $1,626 | -17% | 0.73% |
| 82 | Macon | $1,622 | -17% | 0.44% |
| 83 | Surry | $1,613 | -18% | 0.66% |
| 84 | Vance | $1,602 | -18% | 0.85% |
| 85 | Wilkes | $1,600 | -18% | 0.69% |
| 86 | Guilford | $1,594 | -19% | 0.57% |
| 87 | Davie | $1,572 | -20% | 0.48% |
| 88 | Stanly | $1,572 | -20% | 0.51% |
| 89 | Catawba | $1,570 | -20% | 0.52% |
| 90 | Forsyth | $1,543 | -21% | 0.53% |
| 91 | Buncombe | $1,516 | -23% | 0.33% |
| 92 | Person | $1,514 | -23% | 0.58% |
| 93 | Caldwell | $1,497 | -24% | 0.62% |
| 94 | Cleveland | $1,488 | -24% | 0.68% |
| 95 | Caswell | $1,445 | -26% | 0.67% |
| 96 | Davidson | $1,437 | -27% | 0.51% |
| 97 | Stokes | $1,395 | -29% | 0.52% |
| 98 | Rockingham | $1,328 | -32% | 0.65% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The North Carolina average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in North Carolina (2024)," https://hearthmap.app/home-insurance-by-county/north-carolina. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in North Carolina: frequently asked questions
- What is the average cost of homeowners insurance in North Carolina?
- The average homeowners insurance premium in North Carolina was $2,080 per year in 2024, a simple mean across the 98 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which North Carolina county has the cheapest home insurance?
- Rockingham had the lowest average homeowners insurance premium in North Carolina at $1,328 per year in 2024.
- Which North Carolina county has the most expensive home insurance?
- Dare had the highest average homeowners insurance premium in North Carolina at $4,960 per year in 2024.
- How many North Carolina counties are in this dataset?
- 98 of 100 North Carolina counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in North Carolina
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- North Carolina cost of living, schools & demographics
Home insurance by county in other states:
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