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Counties With the Cheapest Homeowners Insurance in North Carolina (2026)

Cleveland has the lowest homeowners insurance of any county in North Carolina, at $1,279, followed by Brunswick and Craven (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in North Carolina

Top 25 of 100 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in North Carolina
RankCountyValue
1Cleveland$1,279
2Brunswick$1,279
3Craven$1,279
4Alamance$1,279
5Lee$1,279
6Perquimans$1,279
7Scotland$1,279
8Iredell$1,279
9Bertie$1,279
10Warren$1,279
11Rowan$1,279
12Johnston$1,279
13New Hanover$1,279
14Greene$1,279
15Moore$1,279
16Stanly$1,279
17Gates$1,279
18Pasquotank$1,279
19Davie$1,279
20Alleghany$1,279
21Nash$1,279
22Caswell$1,279
23Tyrrell$1,279
24Mecklenburg$1,279
25Beaufort$1,279

How this ranking works

This page ranks North Carolina counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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