North Carolina Mobile Home Insurance Rate History (1993–2026)
The complete register of mobile home 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 — Buncombe County
+9.4%
approved for Territory 200, Western Mountains
Effective November 1, 2024
Next expected: No filing or scheduled change is on record for this line.
Asked +40.6% to approved +9.4%
If your renewal went up more than this, see why →
Scope this page to a county
Buncombe County sits in Territory 200 — Western Mountains. Form 3 base premium on record: $856. Full Buncombe County page →
Approved versus requested mobile home changes
Buncombe 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
- Mobile home requested 40.6%; settled at 9.4% effective November 1, 2024Source · MH-2024-SETTLEMENT
- Mobile home requested 40.6%; settled at 9.4% effective November 1, 2024Source · MH-23-5
- 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 27, 2024 — Hurricane Helene reaches western North Carolina source
Every mobile home filing on record
| Filed | Requested | Approved | Status | Effective | Filing | Source |
|---|---|---|---|---|---|---|
| September 11, 2023 | +40.6% | +9.4% | Settled | November 1, 2024 | mobile-home-2023 | |
| June 3, 2019 | +26.5% | +6.0% | Settled | July 1, 2020 | mobile-home-2019 |
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
9.4% took effect
The settled mobile home rates applied on or after this date.
- Settled
Settled at 9.4%
The settlement set a 9.4% statewide average.
- Filed
Rate Bureau filed a 40.6% mobile home request
The Rate Bureau filed for a 40.6% statewide average increase.
- Took effect
6.0% took effect
The settled mobile home rates applied on or after this date.
- Settled
Settled at 6.0%
The settlement set a 6.0% statewide average.
- Filed
Rate Bureau filed a 26.5% mobile home request
The Rate Bureau filed for a 26.5% statewide average increase for the mobile homeowners program.