Which county in North Carolina has the lowest homeowners insurance?

Rockingham has the lowest homeowners insurance in North Carolina, at $1,328.

What is the homeowners insurance in Rockingham?

Rockingham is ranked #1 in North Carolina for homeowners insurance, at $1,328.

How is this homeowners insurance ranking calculated?

Counties in North Carolina are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

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

Full county table and CSV download: Home insurance by county in North Carolina

Cheapest counties for homeowners insurance in North Carolina

Top 25 of 100 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in North Carolina

Rank	County	Value
01	Rockingham$1,328 County page
02	Stokes$1,395 County page
03	Davidson$1,437 County page
04	Caswell$1,445 County page
05	Cleveland$1,488 County page
06	Caldwell$1,497 County page
07	Person$1,514 County page
08	Buncombe$1,516 County page
09	Forsyth$1,543 County page
10	Catawba$1,570 County page
11	Davie$1,572 County page
12	Stanly$1,572 County page
13	Guilford$1,594 County page
14	Wilkes$1,600 County page
15	Vance$1,602 County page
16	Surry$1,613 County page
17	Macon$1,622 County page
18	Wilson$1,626 County page
19	Jackson$1,630 County page
20	Randolph$1,638 County page
21	Burke$1,651 County page
22	Cherokee$1,674 County page
23	Halifax$1,689 County page
24	Johnston$1,696 County page
25	Mitchell$1,697 County page

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.

Frequently asked questions

Which county in North Carolina has the lowest homeowners insurance?: Rockingham has the lowest homeowners insurance in North Carolina, at $1,328.
What is the homeowners insurance in Rockingham?: Rockingham is ranked #1 in North Carolina for homeowners insurance, at $1,328.
How is this homeowners insurance ranking calculated?: Counties in North Carolina are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.