Why did Tyrrell County insurance rates go up?
The state approved +18.2% for Tyrrell 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.
Why your county’s figure isn’t the one in the news
The +15.0% reported in 2024 was a statewide average. It was not applied evenly. The mountain territory carries +10.6%; the beach territories carry +26.6% — two and a half times as much.
Territory allowances from the settlement schedule. DOCKET-1584-NOTICE · 4 Nov 2024 — scoped to Tyrrell County.
Is your increase normal for Tyrrell 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.
Four reasons your bill can go up more than the state allowed
The state's figure controls the rate — the price of each unit of coverage. Your bill can move for reasons that sit outside the rate entirely. These four cover almost all of it, and every one of them is written on the paperwork your insurer already mailed you.
Your insurer got your permission to charge above the approved rate
North Carolina lets a company charge more than the state approved, as long as you sign a form agreeing to it. It is legal and it has to be disclosed — but it is easy to sign without registering what it was. Roughly six in ten homeowners policies in this state now carry one.
a page you signed headed "Consent to Rate", or a notice in bold capitals near the premium total
The amount your home is insured for went up on its own
Most policies raise your home's rebuild value a little every year to keep pace with building costs. More coverage costs more — so your premium can climb in a year when the rate behind it did not move at all.
"Coverage A — Dwelling". Put this year's figure next to last year's
Your hurricane deductible changed
Closer to the coast, most policies carry a second deductible that applies only when a named storm causes the damage. It is set separately and can change on its own, with no rate increase involved.
"Named Storm Deductible" or "Wind/Hail Deductible"
A discount fell off, or your county is coded wrong
Discounts lapse quietly — paying in full, holding more than one policy, having an alarm. And the rate territory printed on your policy should match the one on record for your county; territories differ by more than double across the state.
"Discounts Applied", and "Territory" — Tyrrell County is 120
We describe what the public record shows and where to look on your own documents. We cannot see your policy and we do not give advice about it. The company that issued the policy is required to explain any charge on it.
What is already dated
15days away
Rental ·
First 5.0% step takes effect
258days away
Home ·
No new homeowners filing permitted before this date
380days away
Rental ·
Second 5.0% step takes effect
How Tyrrell County compares across North Carolina
Approved homeowners change for the most recent filing on record. The same statewide settlement lands differently by rate territory, which is why the mountain and beach figures sit either side of Tyrrell County.
| Area | Approved change |
|---|---|
| Western Mountains | +10.8% |
| Statewide average | +15.0% |
| Tyrrell County | +18.2% |
| Beach Area and Ocean Front | +19.7% |
Every homeowners filing, Tyrrell County beside statewide
The county column is the approved change for territory 120 (Coastal Remainder); the statewide column is the approved average for the same filing.
| Filing | Requested | Tyrrell County | Statewide | Effective | Source |
|---|---|---|---|---|---|
| Rate Bureau requested 42.2%; settled at 15.0% phased over two yearsSettled · January 3, 2024 | +42.2% | +18.2% | +15.0% | June 1, 2025 | |
| Rate Bureau requested 24.5%; settled at 7.9% effective April 1, 2021Settled · December 8, 2020 | +24.5% | +10.1% | +7.9% | April 1, 2021 | |
| Rate Bureau requested 17.4%; settled at 4.0% effective May 1, 2019Settled · November 1, 2018 | +17.4% | +5.4% | +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 Tyrrell County
| Line | Requested | Approved | Effective | Scope |
|---|---|---|---|---|
| Dwelling | +29.8% | +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 Tyrrell County
Index, 2009 = 100. Rates change on effective dates, so the line steps and never slopes.
- Allowed by the Department
- Sought by the Rate Bureau
- Rate Bureau requested 42.2%; settled at 15.0% phased over two yearsSource · DOCKET-1584-CONSENT-ORDER
- Rate Bureau requested 42.2%; settled at 15.0% phased over two yearsSource · P-24-1
- Hurricane Florence makes landfall near Wrightsville BeachSource
- Hurricane Helene reaches western North CarolinaSource
Citations are Chicago style with the date you accessed the page. Every figure traces to an NCRB circular or an NCDOI settlement or order.
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
Text alternative: every filing on record carries each plotted value with its source.
What the rate is applied to in Tyrrell County
- Rate territory
- 120
- Coastal Remainder
- Form 3 base premium
- $2,884
- Homeowners HO-3, filed base
- Counties in this territory
- 10 counties
- Beaufort, Camden, Chowan, Currituck, Hyde, Pamlico and 4 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. Coastal counties outside the beach area.
Every filing on record that applies to Tyrrell County
| Line | Filed | Requested | Here | Statewide | Status | Effective | Source |
|---|---|---|---|---|---|---|---|
| Dwelling | June 27, 2025 | +29.8% | +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% | +18.2% | +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% | +10.1% | +7.9% | Settled | April 1, 2021 | |
| Dwelling | September 14, 2020 | +21.9% | +5.5% | +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% | +5.4% | +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.
Be told before the next one
One email when a filing is made, when a hearing is set, and when a change takes effect. Four to eight a year. Nothing on this site is ever hidden behind it.
Questions people in Tyrrell County ask
- What insurance rate territory is Tyrrell County in?
- Tyrrell County is in North Carolina rate territory 120 (Coastal Remainder), which covers 10 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 $2,884.
- How much did homeowners insurance rates change in Tyrrell County?
- The most recent approved homeowners change applying to Tyrrell County is +18.2%, 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 Tyrrell County?
- The most recent approved dwelling change applying to Tyrrell 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 Tyrrell 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.