North Carolina homeowners rate history
Every homeowners 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 · statewide
+15.0%
Both allowed steps now in effect — 7.5% in June 2025 and 7.5% in June 2026 statewide.
Sought +42.2% then allowed +15.0% statewide
Next filing permitted June 1, 2027
All 100 counties. Statewide average +15.0%.
Verified through June 1, 2026
Homeowners rate index, statewide
Each filing as sought and as allowed. Rates change on effective dates, so figures are discrete.
- 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.
Every homeowners filing on record
| Filed | Sought | Allowed | Status | Effective | Source |
|---|---|---|---|---|---|
| January 3, 2024 | +42.2% | +15.0% | Settled | June 1, 2025 and June 1, 2026 | 1584 |
| December 8, 2020 | +24.5% | +7.9% | Settled | April 1, 2021 | homeowners-2020 |
| November 1, 2018 | +17.4% | +4.0% | Settled | May 1, 2019 | homeowners-2018 |
| January 2, 2014 | +25.3% | 0.0% | Settled | June 1, 2015 | homeowners-2014 |
| October 11, 2012 | +17.7% | +7.0% | Settled | July 1, 2013 | homeowners-2012 |
| November 14, 2008 | +19.5% | +4.0% | Settled | May 1, 2009 | homeowners-2008 |
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
19 dated events on record for this line — events, not filings.
- Took effect
Second 7.5% step takes effect
The second half of the settled increase applies to new and renewal policies written on or after this date.
- Took effect
First 7.5% step took effect
The first half of the settled increase applied to new and renewal policies written on or after this date.
- Settled
Settled at 15.0% phased over two years
The settlement set a 15.0% statewide average, applied as 7.5% in 2025 and 7.5% in 2026, and barred a new filing before June 1, 2027.
- Hearing set
Department of Insurance set the filing for hearing
The Commissioner scheduled a hearing after a public comment period drew heavy response.
- Filed
Rate Bureau filed a 42.2% homeowners request
The Rate Bureau filed for a 42.2% statewide average increase, with far larger requests in some coastal territories.
- Took effect
7.9% took effect
The settled rates applied to new and renewal policies written on or after this date.
- Settled
Settled at 7.9%
The settlement set a 7.9% statewide average, with coastal territories moving more than inland ones.
- Filed
Rate Bureau filed a 24.5% homeowners request
The Rate Bureau filed for a 24.5% statewide average increase.
- Took effect
4.0% took effect
The settled rates applied to new and renewal policies written on or after this date.
- Settled
Settled at 4.0%
The settlement set a 4.0% statewide average.
- Filed
Rate Bureau filed a 17.4% homeowners request
The Rate Bureau filed for a 17.4% statewide average increase.
- Settled
Settled with no statewide change
The settlement left statewide average base rates unchanged.
- Filed
Rate Bureau filed a 25.3% homeowners request
The Rate Bureau filed for a 25.3% statewide average increase.
- Took effect
7.0% took effect
The settled rates applied to new and renewal policies written on or after this date.
- Settled
Settled at 7.0%
The settlement set a 7.0% statewide average, distributed unevenly by territory.
- Filed
Rate Bureau filed a 17.7% homeowners request
The Rate Bureau filed for a 17.7% statewide average increase.
- Took effect
4.05% took effect
The settled rates applied to new and renewal policies written on or after this date.
- Settled
Settled at 4.05%
The Department of Insurance and the Rate Bureau settled at a 4.05% statewide average.
- Filed
Rate Bureau filed a 19.5% homeowners request
The Rate Bureau filed for a 19.5% statewide average homeowners increase.
Scoped to statewide.