North Carolina dwelling rate history
Every dwelling rate filing made by the North Carolina Rate Bureau since 1993, what the Department of Insurance allowed, and the date each change took effect. Requested figures appear in oxblood, allowed figures in teal.
Currently in effect · Wilkes County
+5.0%
Allowed for Territory 190, Foothills and Northern Mountains. The settlement publishes a territory schedule, not a step split.
Sought +29.8% then allowed +5.0% statewide
Territory 190 — Foothills and Northern Mountains. Statewide average +5.0%.
Verified through February 18, 2026
Dwelling rate index, Wilkes County
Index, 2017 = 100. Rates change on effective dates, so the line steps and never slopes.
- Allowed by the Department
- Sought by the Rate Bureau
- 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.
What else was happening
- 1.Sep 14, 2018 — Hurricane Florence makes landfall near Wrightsville Beach source
- 2.Sep 27, 2024 — Hurricane Helene reaches western North Carolina source
Text alternative: every filing on record carries each plotted value with its source.
Every dwelling filing on record
| Filed | Sought | Allowed | Status | Effective | 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 |
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.
Everything that has happened, newest first
8 dated events on record for this line — events, not filings.
- 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.
Still ahead, soonest first
2 scheduled dates from orders already issued. These have not happened yet.
- Takes 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.
- Takes 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.
Scoped to Wilkes County.