North Carolina Mobile Home Insurance Rate History (1993–2026)
Every mobile home 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 — Mecklenburg County
+9.4%approved for Territory 160, Charlotte Metro
If your renewal went up more than this, see why →
- Effective date
- November 1, 2024
- Requested by the Rate Bureau
- +40.6%
The requested statewide average was 40.6% and the settled statewide average was 9.4%, effective November 1, 2024.
Next expected
No filing or scheduled change is on record for this line.
Scope this page to a county
Mecklenburg County sits in Territory 160 — Charlotte Metro. Form 3 base premium on record: $1,364. Full Mecklenburg County page →
Approved versus requested mobile home changes
Mecklenburg 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
- 1.Sep 27, 2024 — Hurricane Helene reaches western North Carolina source
Sources (3)
- Mobile home requested 40.6%; settled at 9.4% effective November 1, 2024 Source · MH-2024-SETTLEMENT
- Mobile home requested 40.6%; settled at 9.4% effective November 1, 2024 Source · MH-23-5
- 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 mobile home filing on record
| Filed | Requested | Outcome | Status | Effective | Docket | Source |
|---|---|---|---|---|---|---|
| September 11, 2023 | +40.6% | +9.4% | Settled | November 1, 2024 | — | |
| June 3, 2019 | +26.5% | +6.0% | Settled | July 1, 2020 | — |
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.