North Carolina Dwelling Insurance Rate History (1993–2026)
Every dwelling rate filing made by the North Carolina Rate Bureau, what the Department of Insurance approved, and the date each change took effect. Requested figures are shown in brass, approved figures in green.
Current approved change — Swain County
+5.0%approved for Territory 200, Western Mountains
If your renewal went up more than this, see why →
- Effective dates
- October 1, 2026 and October 1, 2027
- Requested by the Rate Bureau
- +68.3%Docket D-25-1
The Rate Bureau asked for a 68.3% statewide average increase on dwelling (landlord) policies. The Department of Insurance settled the case far lower: two separate 5.0% increases, the first effective October 1, 2026 and the second effective October 1, 2027. Dwelling policies cover buildings the owner does not live in, so these changes reach rental property owners rather than tenants directly.
Next expected
Next approved change takes effect October 1, 2026 — in 60 days.
Scope this page to a county
Swain County sits in Territory 200 — Western Mountains. Form 3 base premium on record: $856. Full Swain County page →
Approved versus requested dwelling changes
Swain 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
Sources (5)
- Dwelling requested 68.3%; settled at two 5.0% steps in October 2026 and October 2027 Source · D-25-1 Settlement
- Rate Bureau filed a 29.8% dwelling request Source
- Dwelling requested 21.9%; settled at 4.0% effective April 1, 2021 Source · DW-2021-SETTLEMENT
- 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.
Every dwelling filing on record
| Filed | Requested | Outcome | Status | Effective | Docket | Source |
|---|---|---|---|---|---|---|
| June 27, 2025 | +68.3% | +5.0% | Settled | October 1, 2026 and October 1, 2027 | D-25-1 | |
| September 14, 2020 | +21.9% | +4.0% | Settled | April 1, 2021 | — | |
| August 5, 2016 | +18.7% | +4.4% | Settled | May 1, 2017 | — |
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 68.3% requested.
- 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.