North Carolina Dwelling Insurance Rate History (1993–2026)
The complete register of dwelling rate filings made by the North Carolina Rate Bureau, what the Department of Insurance approved, and the date each change took effect — requested figures in brass, approved figures in green, every figure sourced.
Current approved change — Wilson County
+5.0%
approved for Territory 140, Northeastern Piedmont Plain
Effective October 1, 2026 and October 1, 2027
Next expected: Next approved change takes effect October 1, 2026 — in 59 days.
Asked +29.8% to approved +5.0%
If your renewal went up more than this, see why →
Scope this page to a county
Wilson County sits in Territory 140 — Northeastern Piedmont Plain. Form 3 base premium on record: $1,602. Full Wilson County page →
Approved versus requested dwelling changes
Wilson County. Rates change discretely on their effective dates, so the chart steps and never slopes. Requested figures are brass, approved figures green.
- Approved by the Department of Insurance
- Requested by the Rate Bureau
- Named storm landfall
Text alternative: every filing on record
- Dwelling requested 29.8% statewide; settled at two 5.0% steps in October 2026 and October 2027Source · D-25-1 Settlement
- Rate Bureau filed a 29.8% dwelling requestSource
- Dwelling requested 21.9%; settled at 4.0% effective April 1, 2021Source · DW-2021-SETTLEMENT
- 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.
Every dwelling filing on record
| Filed | Requested | Approved | Status | Effective | Filing | Source |
|---|---|---|---|---|---|---|
| June 27, 2025 | +29.8% | +5.0% | Settled | October 1, 2026 and October 1, 2027 | D-25-1 | |
| September 14, 2020 | +21.9% | +4.0% | Settled | April 1, 2021 | dwelling-2020 | |
| August 5, 2016 | +18.7% | +4.4% | Settled | May 1, 2017 | dwelling-2016 |
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.
Everything that has happened, newest first
- Took effect
Second 5.0% step takes effect
The second approved 5.0% dwelling increase applies to policies written or renewed on or after this date.
- Took effect
First 5.0% step takes effect
The first of the two approved 5.0% dwelling increases applies to policies written or renewed on or after this date.
- Settled
Settlement reduces the request to two 5.0% steps
The Department of Insurance and the Rate Bureau settled at two 5.0% increases instead of the 29.8% statewide average requested. The largest request for any single rate territory in that filing was 68.3%.
- Filed
Rate Bureau filed a 29.8% dwelling request
The Rate Bureau filed for a 29.8% statewide average increase. The filing is under review.
- Took effect
4.0% took effect
The settled dwelling rates applied on or after this date.
- Settled
Settled at 4.0%
The settlement set a 4.0% statewide average.
- Filed
Rate Bureau filed a 21.9% dwelling request
The Rate Bureau filed for a 21.9% statewide average increase.
- Took effect
4.4% took effect
The settled dwelling rates applied on or after this date.
- Settled
Settled at 4.4%
The settlement set a 4.4% statewide average.
- Filed
Rate Bureau filed an 18.7% dwelling request
The Rate Bureau filed for an 18.7% statewide average increase for dwelling fire and extended coverage.