Why did Graham County insurance rates go up?
The state approved +10.8% for Graham County homeowners rates, effective June 1, 2025. If your increase was larger than that, the difference is usually consent-to-rate, a coverage or deductible change, or a discount that dropped off — not a second rate increase. Check your own increase below and see what to ask about.
What's next for Graham County
- October 1, 2026Dwelling +5.0% takes effect statewidein 60 daysfiling
- October 1, 2026First 5.0% step takes effectin 60 daysfiling
- October 1, 2026Dwelling +5.0% takes effect in your territoryin 60 daysfiling
- June 1, 2027No new homeowners filing permitted before this datein 303 daysfiling
- October 1, 2027Dwelling +5.0% takes effect statewidein 425 daysfiling
- October 1, 2027Second 5.0% step takes effectin 425 daysfiling
Graham County versus the statewide average
Homeowners filings, newest first. The county column is the approved change for territory 200 (Western Mountains); the statewide column is the approved average for the same filing.
| Filing | Requested | Graham County | Statewide | Effective | Source |
|---|---|---|---|---|---|
| Rate Bureau requested 42.2%; settled at 15.0% phased over two yearsSettled · January 3, 2024 | +42.2% | +10.8% | +15.0% | June 1, 2025 | |
| Rate Bureau requested 24.5%; settled at 7.9% effective April 1, 2021Settled · December 8, 2020 | +24.5% | +5.4% | +7.9% | April 1, 2021 | |
| Rate Bureau requested 17.4%; settled at 4.0% effective May 1, 2019Settled · November 1, 2018 | +17.4% | +2.7% | +4.0% | May 1, 2019 | |
| Rate Bureau requested 25.3%; settlement produced no statewide changeSettled · January 2, 2014 | +25.3% | 0.0%(statewide) | 0.0% | June 1, 2015 | |
| Rate Bureau requested 17.7%; settled at 7.0% effective July 1, 2013Settled · October 11, 2012 | +17.7% | +7.0%(statewide) | +7.0% | July 1, 2013 | |
| Rate Bureau requested a 19.5% statewide homeowners increase; settled at 4.05%Settled · November 14, 2008 | +19.5% | +4.0%(statewide) | +4.0% | May 1, 2009 |
Other lines in Graham County
| Line | Requested | Approved | Effective | Scope |
|---|---|---|---|---|
| Dwelling | +68.3% | +5.0% | October 1, 2027 | Territory figure |
| Auto | +28.4% | +4.5% | December 1, 2024 | Statewide average |
| Mobile Home | +40.6% | +9.4% | November 1, 2024 | Statewide average |
Homeowners rate changes affecting Graham County
Graham County. Rates change discretely on their effective dates, so the chart steps and never slopes. Requested figures are brass, approved figures green.
What else was happening
- 1.Jun 1, 2015 — 25.3% request produced no statewide change source
- 2.Sep 14, 2018 — Hurricane Florence makes landfall near Wrightsville Beach source
- 3.Sep 27, 2024 — Hurricane Helene reaches western North Carolina source
- 4.Jun 1, 2027 — No new filing permitted before this date under the homeowners-2024 settlement source
Sources (4)
- Rate Bureau requested 42.2%; settled at 15.0% phased over two years Source · DOCKET-1584-CONSENT-ORDER
- Rate Bureau requested 42.2%; settled at 15.0% phased over two years Source · P-24-1
- Hurricane Florence makes landfall near Wrightsville Beach Source
- Hurricane Helene reaches western North Carolina Source
Citations are Chicago style with the date you accessed the page. Every figure traces to an NCRB circular or an NCDOI settlement or order.
Is your increase normal for Graham County?
Enter what you paid last year and what you are being asked to pay now. We compare your percentage against the change the state actually approved for your county, cite the document it comes from, and tell you what usually explains a difference. No email is required to see the answer.
What the rate is applied to in Graham County
- Rate territory
- 200
- Western Mountains
- Form 3 base premium
- $856
- Homeowners HO-3, filed base
- Counties in this territory
- 13
- Buncombe, Cherokee, Clay, Graham, Haywood, Henderson and 7 more
The base premium is the filed starting figure a rate change is applied to before any coverage amount, deductible, construction, discount, or consent-to-rate agreement is factored in. It is a rating input, not a price for a specific home.
Every filing on record that applies to Graham County
| Line | Filed | Requested | Here | Statewide | Status | Effective | Source |
|---|---|---|---|---|---|---|---|
| Dwelling | June 27, 2025 | +68.3% | +5.0% | +5.0% | Settled | October 1, 2026 and October 1, 2027 | |
| Auto | February 3, 2025 | +22.6% | — | — | Set for hearing | — | |
| Homeowners | January 3, 2024 | +42.2% | +10.8% | +15.0% | Settled | June 1, 2025 and June 1, 2026 | |
| Mobile Home | September 11, 2023 | +40.6% | — | +9.4% | Settled | November 1, 2024 | |
| Auto | February 1, 2023 | +28.4% | — | +4.5% | Settled | December 1, 2024 | |
| Homeowners | December 8, 2020 | +24.5% | +5.4% | +7.9% | Settled | April 1, 2021 | |
| Dwelling | September 14, 2020 | +21.9% | +2.6% | +4.0% | Settled | April 1, 2021 | |
| Mobile Home | June 3, 2019 | +26.5% | — | +6.0% | Settled | July 1, 2020 | |
| Auto | February 1, 2019 | +4.9% | — | 0.0% | Settled | January 1, 2020 | |
| Homeowners | November 1, 2018 | +17.4% | +2.7% | +4.0% | Settled | May 1, 2019 | |
| Dwelling | August 5, 2016 | +18.7% | — | +4.4% | Settled | May 1, 2017 | |
| Homeowners | January 2, 2014 | +25.3% | — | 0.0% | Settled | June 1, 2015 | |
| Homeowners | October 11, 2012 | +17.7% | — | +7.0% | Settled | July 1, 2013 | |
| Homeowners | November 14, 2008 | +19.5% | — | +4.0% | Settled | May 1, 2009 |
A dash in the “Here” column means no territory-level figure is on record for that filing, so the statewide approved average applies.
Get told when this changes
One email when a new filing is made, when a hearing is set, and when an approved change takes effect. Nothing on this site is ever hidden behind it.
Questions people in Graham County ask
- What insurance rate territory is Graham County in?
- Graham County is in North Carolina rate territory 200 (Western Mountains), which covers 13 counties. Territory assignment is what makes an approved statewide average land differently on your bill than on a bill written 100 miles away. The Form 3 base premium used for this territory is $856.
- How much did homeowners insurance rates change in Graham County?
- The most recent approved homeowners change applying to Graham County is +10.8%, effective June 1, 2025. The Rate Bureau had requested +42.2% statewide, and the statewide approved average was +15.0%. Every figure links to the circular, settlement, or order it comes from.
- What about dwelling (rental and secondary home) coverage in Graham County?
- The most recent approved dwelling change applying to Graham County is +5.0%, effective October 1, 2027. Dwelling policies are filed separately from homeowners, so the two percentages differ even in the same territory.
- Why is my increase bigger than the approved percentage?
- An approved percentage is an average across a territory, not a per-policy figure. A larger increase on a single bill is usually explained by consent-to-rate (a signed agreement letting a company charge above the approved rate), a coverage or dwelling-value change, a deductible change, a discount that dropped off, or a claim on the policy. Here is what to look for: compare the coverage A amount and deductible on both declarations pages before comparing premiums.
- When can rates change again in Graham County?
- Under the current settlement, no new homeowners rate filing is permitted before June 1, 2027. Dated events already scheduled appear in the filing pages linked from the table above.