North Carolina Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 722 ZIP codes in North Carolina (NC).

The verdict

According to U.S. Treasury FIO filings, North Carolina ranks #36 of 51 by average premium ($1,379/yr) ≠ #3 of 50 by nonrenewal (2.46%). Cost rank is not withdrawal rank.

$1,379
State avg premium (#36 of 51): #3
Nonrenewal of 50 (2.46%): 28207
In-state premium ZIP #1 ($3,558): 28212
In-state nonrenewal ZIP #1 (5.87%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

North Carolina vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,379 Lower than most lower premium than 69% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in North Carolina pay an average of $1,379 per year for home insurance - 22% below the national average of $1,776. That ranks North Carolina as the 36th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 7.6%.

On five-year premium growth (2018–2022), North Carolina ranks 22nd out of 51 states. Its nonrenewal rate (2.46%) ranks 3rd out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How North Carolina Compares

vs National Average

$1,379 vs $1,776

22% below national avg

Rank Among States

36th of 51

most expensive for homeowners insurance

Loss Ratio vs National

47.6% vs 58.0%

insurers retain more margin here

Avg Premium

$1,379/yr

National avg: $1,776 (-22% below)

Premium Change

+7.6%

2018-2022 change

Avg Loss Ratio

47.6%

Claims paid vs premiums earned

Nonrenewal Rate

2.46%

+8.8% change

Data Snapshot: North Carolina Homeowners Insurance

Across the 722 North Carolina ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,379. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical North Carolina homeowner pays, gives $1,485 per year. That is 22% below the national average of $1,776 per year reported by the Federal Insurance Office. North Carolina ranks 36th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $761 in 28553 to $3,558 in 28207.

Between 2018 and 2022, average premiums rose by 7.6% in North Carolina, placing the state 22nd nationally on five-year premium growth. The state-level loss ratio averaged 47.6%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 2.46% across the ZIP codes that report one, a climb of 8.8% over the study period (ranking 3rd out of 50 states).

Within North Carolina, premium dispersion across ZIP codes is substantial: the most expensive ZIP (28207 in Charlotte) charges 367% more than the least expensive (28553 in Marshallberg), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: North Carolina

North Carolina statewide - FIO 2018-2022 average: 48% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

722

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,282	$1,235	58.7%	9.26%	2.26%
2019	$1,322 (+3.1%)	$1,262	47.2%	5.05%	0.94%
2020	$1,360 (+2.9%)	$1,298	44.5%	5.17%	1.04%
2021	$1,363 (+0.3%)	$1,309	39.5%	4.00%	1.70%
2022	$1,379 (+1.2%)	$1,319	47.6%	4.82%	2.46%

Average homeowners premium per year in North Carolina.

Most Expensive ZIP Codes in North Carolina

Wrightsville Beach, NC

Most Affordable ZIP Codes in North Carolina

Rutherford College, NC

All ZIP Codes in North Carolina

722 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
28207	Charlotte	$3,558	23.5%	4.47%	0.92%
28646	Linville	$3,489	7.7%	1.87%	0.94%
28717	Cashiers	$3,113	20.9%	2.05%	0.23%
27927	Corolla	$3,019	4.6%	1.51%	0.13%
28480	Wrightsville Beach	$2,779	9.0%	2.72%	2.04%
28741	Highlands	$2,584	23.8%	1.60%	0.58%
28668	Roaring Gap	$2,545	11.4%	3.38%	1.23%
27949	Kitty Hawk	$2,477	13.6%	2.28%	5.73%
28747	Lake Toxaway	$2,395	9.0%	2.21%	1.16%
27605	Raleigh	$2,356	17.8%	5.47%	0.57%
28211	Charlotte	$2,340	45.3%	6.49%	2.53%
27608	Raleigh	$2,335	45.0%	4.76%	1.29%
27614	Raleigh	$2,240	92.1%	9.93%	2.29%
27957	Merry Hill	$2,217	24.9%	4.09%	2.23%
28736	Glenville	$2,174	8.4%	2.18%	0.34%
28774	Sapphire	$2,170	112.1%	2.53%	0.36%
28423	Bolton	$2,166	17.6%	4.21%	1.87%
28305	Fayetteville	$2,134	26.6%	4.98%	3.27%
28203	Charlotte	$2,089	33.5%	3.65%	3.01%
28442	Hallsboro	$2,082	21.3%	4.35%	3.11%
27518	Cary	$2,046	51.4%	7.15%	2.23%
27514	Chapel Hill	$2,031	41.2%	6.30%	0.70%
28438	Evergreen	$2,028	25.4%	4.67%	2.00%
28455	Nakina	$2,022	23.8%	6.17%	1.23%
27517	Chapel Hill	$2,020	53.4%	6.59%	1.88%
28466	Wallace	$1,993	26.3%	4.53%	2.52%
28226	Charlotte	$1,988	88.8%	8.63%	2.80%
28031	Cornelius	$1,977	41.1%	5.56%	3.18%
28173	Waxhaw	$1,955	58.6%	5.82%	6.07%
28605	Blowing Rock	$1,941	28.2%	2.86%	0.55%
27959	Nags Head	$1,926	14.0%	2.23%	4.65%
28277	Charlotte	$1,925	48.7%	5.81%	4.25%
28463	Tabor City	$1,917	74.4%	7.26%	2.65%
28430	Cerro Gordo	$1,914	2.8%	1.70%	1.70%
28450	Lake Waccamaw	$1,912	22.4%	4.76%	1.48%
28311	Fayetteville	$1,909	219.6%	26.91%	3.49%
28306	Fayetteville	$1,907	48.1%	8.45%	4.89%
27607	Raleigh	$1,900	40.9%	5.59%	1.68%
28472	Whiteville	$1,899	39.9%	5.05%	2.82%
28399	White Oak	$1,888	57.5%	4.55%	2.84%
28036	Davidson	$1,887	55.5%	6.16%	4.44%
28117	Mooresville	$1,885	70.0%	6.83%	3.49%
28270	Charlotte	$1,877	67.5%	6.95%	3.62%
28436	Delco	$1,873	12.0%	3.19%	3.59%
28431	Chadbourn	$1,868	77.1%	5.36%	3.52%
28374	Pinehurst	$1,859	58.3%	13.41%	1.15%
28371	Parkton	$1,850	42.1%	7.11%	5.77%
28432	Clarendon	$1,847	89.5%	2.40%	2.40%
28312	Fayetteville	$1,845	41.0%	5.60%	5.26%
28390	Spring Lake	$1,841	63.6%	8.49%	4.56%
28314	Fayetteville	$1,840	50.9%	9.80%	4.99%
28444	Harrells	$1,839	120.4%	3.23%	4.69%
28356	Linden	$1,837	43.9%	8.53%	3.28%
28434	Council	$1,833	12.3%	0.69%	8.97%
28303	Fayetteville	$1,831	47.9%	6.99%	3.52%
28458	Rose Hill	$1,831	64.0%	3.83%	2.82%
27615	Raleigh	$1,823	48.6%	6.38%	2.04%
28448	Kelly	$1,817	40.4%	2.86%	1.90%
27824	Engelhard	$1,813	1.7%	0.98%	6.86%
27858	Greenville	$1,812	36.2%	3.87%	3.74%
28204	Charlotte	$1,809	72.5%	4.80%	3.25%
28501	Kinston	$1,807	16.5%	3.29%	4.13%
28456	Riegelwood	$1,807	14.8%	4.33%	4.55%
28348	Hope Mills	$1,801	50.6%	8.03%	5.66%
27950	Knotts Island	$1,797	8.3%	2.26%	2.82%
27937	Gates	$1,784	9.1%	2.23%	1.55%
27613	Raleigh	$1,783	66.6%	7.44%	1.99%
28604	Banner Elk	$1,782	19.7%	2.70%	0.87%
27609	Raleigh	$1,780	48.2%	5.08%	2.20%
28439	Fair Bluff	$1,768	7.4%	2.94%	1.47%
28504	Kinston	$1,767	19.4%	4.38%	3.70%
27884	Stokes	$1,762	59.8%	5.88%	3.17%
28104	Matthews	$1,760	54.6%	5.86%	4.85%
27612	Raleigh	$1,753	53.2%	5.61%	2.16%
28349	Kenansville	$1,753	13.3%	3.34%	2.57%
28326	Cameron	$1,751	73.5%	12.36%	3.36%
28433	Clarkton	$1,747	15.3%	4.75%	3.33%
27539	Apex	$1,742	86.3%	9.80%	2.96%
27924	Colerain	$1,740	69.9%	12.62%	0.99%
28344	Godwin	$1,739	15.3%	5.28%	2.22%
28398	Warsaw	$1,736	19.2%	2.33%	1.80%
28209	Charlotte	$1,733	66.9%	4.72%	2.20%
28453	Magnolia	$1,713	19.7%	2.44%	0.81%
27513	Cary	$1,708	61.3%	7.76%	2.81%
27519	Cary	$1,700	68.9%	8.34%	3.93%
28357	Lumber Bridge	$1,700	27.5%	6.02%	2.58%
28210	Charlotte	$1,696	104.4%	9.83%	2.64%
28323	Bunnlevel	$1,695	33.3%	6.77%	4.71%
28447	Ivanhoe	$1,690	11.9%	2.86%	0.71%
27534	Goldsboro	$1,687	34.8%	4.84%	3.49%
27834	Greenville	$1,685	27.5%	4.55%	2.67%
28202	Charlotte	$1,685	25.5%	5.45%	2.33%
28386	Shannon	$1,683	65.7%	5.57%	2.05%
27842	Henrico	$1,681	52.2%	4.19%	0.73%
27587	Wake Forest	$1,678	66.0%	7.07%	3.14%
28304	Fayetteville	$1,677	53.0%	8.28%	3.81%
28395	Wade	$1,672	40.2%	5.53%	2.32%
27850	Littleton	$1,671	38.2%	3.20%	0.93%
28775	Scaly Mountain	$1,669	3.2%	1.05%	0.70%
28341	Faison	$1,663	12.5%	1.74%	2.90%
28393	Turkey	$1,662	10.2%	3.07%	2.45%
28590	Winterville	$1,662	21.6%	3.99%	2.99%
27617	Raleigh	$1,661	101.8%	9.05%	2.54%
28318	Autryville	$1,661	39.9%	4.08%	6.56%
28387	Southern Pines	$1,655	49.2%	27.75%	2.03%
28441	Garland	$1,653	11.3%	4.29%	5.21%
27846	Jamesville	$1,653	25.9%	3.60%	1.68%
28328	Clinton	$1,653	23.6%	3.28%	3.32%
28525	Deep Run	$1,653	26.3%	1.90%	3.80%
28803	Asheville	$1,652	24.0%	3.16%	1.50%
27862	Pendleton	$1,652	20.6%	5.10%	1.02%
27983	Windsor	$1,649	36.0%	4.61%	2.30%
27837	Grimesland	$1,648	14.2%	3.19%	2.60%
28382	Roseboro	$1,647	17.7%	3.49%	5.68%
27104	Winston Salem	$1,640	34.7%	5.20%	1.94%
28384	Saint Pauls	$1,636	35.8%	4.26%	6.77%
28551	La Grange	$1,635	16.0%	3.31%	3.67%
27310	Oak Ridge	$1,634	46.7%	5.16%	2.33%
27812	Bethel	$1,634	32.2%	4.71%	1.35%
27948	Kill Devil Hills	$1,634	8.3%	1.12%	6.98%
28756	Mill Spring	$1,633	28.3%	3.51%	0.60%
28376	Raeford	$1,633	76.2%	11.43%	3.78%
27358	Summerfield	$1,632	53.9%	6.73%	2.47%
27343	Semora	$1,632	57.4%	2.68%	0.85%
28372	Pembroke	$1,631	15.5%	2.68%	2.59%
27606	Raleigh	$1,628	40.9%	5.23%	2.36%
28572	Pink Hill	$1,626	12.0%	3.10%	4.65%
28358	Lumberton	$1,623	24.1%	3.64%	4.28%
28391	Stedman	$1,622	54.3%	4.58%	6.23%
27546	Lillington	$1,619	54.7%	6.64%	2.31%
27530	Goldsboro	$1,618	40.7%	4.67%	3.37%
27849	Lewiston Woodville	$1,617	7.3%	4.85%	0.97%
28385	Salemburg	$1,617	28.5%	4.43%	5.73%
28337	Elizabethtown	$1,617	43.4%	5.73%	5.09%
27503	Bahama	$1,617	39.4%	5.77%	2.07%
28464	Teachey	$1,616	42.7%	4.96%	2.89%
28278	Charlotte	$1,616	36.6%	4.45%	8.24%
27828	Farmville	$1,608	32.4%	3.22%	3.56%
28301	Fayetteville	$1,607	27.9%	5.21%	4.02%
28682	Terrell	$1,602	40.2%	4.82%	2.10%
27707	Durham	$1,602	36.8%	5.19%	2.05%
28078	Huntersville	$1,601	52.7%	5.52%	5.23%
28508	Albertson	$1,600	16.8%	1.13%	3.95%
27511	Cary	$1,598	49.6%	6.64%	2.51%
28392	Tar Heel	$1,597	37.0%	8.42%	5.79%
28804	Asheville	$1,595	46.4%	3.82%	0.87%
28394	Vass	$1,595	60.9%	22.70%	2.90%
27332	Sanford	$1,594	51.5%	6.78%	2.38%
28461	Southport	$1,588	31.3%	2.35%	0.60%
27705	Durham	$1,588	44.3%	5.73%	1.81%
28365	Mount Olive	$1,588	17.4%	2.88%	2.56%
28513	Ayden	$1,587	24.3%	3.50%	3.44%
28377	Red Springs	$1,583	40.7%	4.47%	1.61%
28757	Montreat	$1,582	21.5%	2.87%	N/A
27890	Weldon	$1,580	22.4%	5.12%	3.26%
28340	Fairmont	$1,578	21.6%	3.49%	4.14%
27926	Corapeake	$1,573	6.4%	2.53%	0.42%
27516	Chapel Hill	$1,572	53.1%	5.83%	0.93%
28521	Chinquapin	$1,571	33.3%	5.47%	2.25%
28364	Maxton	$1,570	40.9%	5.05%	2.24%
27527	Clayton	$1,568	60.8%	6.24%	3.21%
27540	Holly Springs	$1,566	56.8%	7.64%	3.58%
27502	Apex	$1,564	46.9%	5.73%	4.73%
27408	Greensboro	$1,563	40.3%	5.40%	2.15%
28105	Matthews	$1,562	56.2%	6.24%	4.45%
27571	Rolesville	$1,562	46.4%	5.25%	3.51%
28723	Cullowhee	$1,558	29.2%	2.40%	0.80%
28781	Topton	$1,556	14.0%	2.11%	1.06%
28530	Grifton	$1,553	47.7%	4.62%	3.56%
28518	Beulaville	$1,551	37.9%	2.37%	2.78%
27701	Durham	$1,550	30.3%	4.06%	1.90%
28383	Rowland	$1,547	10.4%	2.47%	1.98%
27312	Pittsboro	$1,546	51.1%	5.04%	1.29%
27857	Oak City	$1,544	57.5%	7.10%	1.18%
28075	Harrisburg	$1,544	60.0%	7.25%	5.25%
28360	Lumberton	$1,543	38.9%	3.83%	3.54%
27830	Fremont	$1,540	36.8%	3.86%	10.53%
27523	Apex	$1,539	48.4%	4.67%	4.65%
28746	Lake Lure	$1,538	73.1%	5.42%	1.19%
28578	Seven Springs	$1,536	6.3%	1.95%	1.95%
28538	Hookerton	$1,535	8.9%	3.49%	6.55%
27871	Robersonville	$1,531	12.8%	3.99%	2.94%
27892	Williamston	$1,527	30.8%	5.77%	1.87%
28663	Piney Creek	$1,526	5.5%	0.77%	0.77%
28127	New London	$1,522	74.7%	4.65%	1.44%
27376	West End	$1,521	43.5%	7.23%	1.31%
27712	Durham	$1,518	52.7%	6.76%	1.91%
27944	Hertford	$1,516	7.8%	1.76%	3.20%
28133	Peachland	$1,511	40.3%	6.75%	0.44%
27863	Pikeville	$1,509	34.5%	4.86%	3.42%
27839	Halifax	$1,508	37.6%	7.05%	2.09%
27843	Hobgood	$1,507	105.3%	7.81%	3.91%
27560	Morrisville	$1,506	57.5%	8.16%	5.83%
27823	Enfield	$1,505	61.8%	6.86%	3.80%
27866	Pleasant Hill	$1,505	9.6%	5.26%	2.11%
28135	Polkton	$1,505	45.8%	4.04%	1.57%
28782	Tryon	$1,505	30.5%	5.47%	1.41%
28692	Vilas	$1,503	22.1%	2.61%	1.01%
28262	Charlotte	$1,496	49.8%	7.29%	7.77%
28904	Hayesville	$1,495	26.6%	2.80%	0.52%
28352	Laurinburg	$1,494	44.2%	4.92%	1.97%
27829	Fountain	$1,494	26.9%	4.38%	2.02%
28320	Bladenboro	$1,494	36.3%	3.80%	3.32%
27814	Blounts Creek	$1,492	10.5%	1.97%	1.64%
28783	Tuckasegee	$1,491	27.6%	3.00%	0.21%
27281	Jackson Springs	$1,490	40.4%	6.93%	1.30%
28580	Snow Hill	$1,489	31.7%	5.51%	6.19%
28396	Wagram	$1,489	36.8%	4.56%	2.39%
27938	Gatesville	$1,481	116.6%	4.40%	3.14%
28334	Dunn	$1,479	45.6%	6.04%	2.15%
27958	Moyock	$1,479	43.2%	1.91%	2.34%
28801	Asheville	$1,477	17.4%	3.59%	1.43%
28902	Brasstown	$1,476	16.2%	1.95%	0.43%
27551	Macon	$1,473	32.1%	3.40%	1.57%
27876	Seaboard	$1,473	58.6%	4.74%	1.58%
27844	Hollister	$1,471	68.2%	6.83%	1.37%
28679	Sugar Grove	$1,469	12.4%	2.24%	1.12%
28363	Marston	$1,468	27.4%	5.76%	2.16%
27860	Pantego	$1,468	29.6%	1.69%	8.43%
28366	Newton Grove	$1,468	20.6%	4.57%	2.61%
28790	Zirconia	$1,467	23.8%	3.67%	0.86%
27888	Walstonburg	$1,467	84.2%	4.75%	2.03%
28730	Fairview	$1,467	48.5%	4.38%	1.54%
28037	Denver	$1,466	58.6%	5.80%	3.63%
27809	Battleboro	$1,466	59.6%	8.80%	1.86%
27596	Youngsville	$1,464	52.8%	5.88%	4.86%
28607	Boone	$1,462	44.2%	2.96%	0.86%
28327	Carthage	$1,462	30.7%	18.42%	2.09%
27891	Whitakers	$1,460	37.6%	5.53%	1.11%
27106	Winston Salem	$1,459	48.9%	5.95%	2.15%
27603	Raleigh	$1,459	58.5%	7.69%	2.87%
27601	Raleigh	$1,457	37.5%	4.14%	2.25%
27852	Macclesfield	$1,457	87.0%	5.88%	1.31%
28269	Charlotte	$1,457	44.4%	6.30%	6.55%
27713	Durham	$1,456	52.6%	6.64%	2.09%
27803	Rocky Mount	$1,455	105.3%	10.69%	2.21%
28720	Chimney Rock	$1,450	40.3%	3.33%	1.67%
27278	Hillsborough	$1,450	41.7%	4.65%	1.08%
28702	Almond	$1,450	15.9%	2.87%	0.96%
27874	Scotland Neck	$1,448	107.3%	8.15%	2.36%
28369	Orrum	$1,448	21.8%	2.79%	2.79%
27804	Rocky Mount	$1,447	48.5%	6.38%	2.08%
28739	Hendersonville	$1,447	54.4%	3.84%	0.92%
27979	Sunbury	$1,443	14.7%	4.10%	1.54%
28333	Dudley	$1,443	20.2%	4.07%	4.51%
27023	Lewisville	$1,440	44.5%	4.35%	2.38%
27559	Moncure	$1,440	29.8%	3.85%	1.28%
27501	Angier	$1,439	53.1%	5.39%	2.20%
28731	Flat Rock	$1,439	27.6%	3.97%	1.12%
27520	Clayton	$1,439	54.7%	5.98%	2.72%
27529	Garner	$1,437	50.1%	6.53%	3.20%
27960	Ocracoke	$1,436	4.5%	0.55%	4.97%
28698	Zionville	$1,435	33.1%	3.54%	1.01%
27986	Winton	$1,432	20.6%	5.73%	2.60%
28673	Sherrills Ford	$1,432	66.4%	7.29%	2.52%
27805	Aulander	$1,432	12.1%	3.55%	1.89%
27976	South Mills	$1,432	30.9%	2.92%	2.92%
27526	Fuquay Varina	$1,430	54.1%	5.72%	3.14%
28704	Arden	$1,429	41.8%	4.37%	1.25%
27549	Louisburg	$1,429	46.2%	5.40%	2.16%
27562	New Hill	$1,426	28.5%	3.24%	3.24%
27864	Pinetops	$1,426	26.7%	4.40%	1.65%
28754	Mars Hill	$1,425	19.1%	2.10%	0.61%
27455	Greensboro	$1,425	89.3%	7.06%	2.31%
27572	Rougemont	$1,424	47.1%	4.72%	1.16%
27521	Coats	$1,423	42.0%	5.90%	1.12%
27262	High Point	$1,423	54.9%	6.19%	3.53%
27832	Gaston	$1,422	23.4%	3.97%	3.12%
28745	Lake Junaluska	$1,422	31.8%	3.95%	0.53%
27980	Tyner	$1,422	216.2%	6.86%	4.25%
27306	Mount Gilead	$1,420	32.5%	3.91%	1.79%
27935	Eure	$1,419	88.1%	3.36%	0.84%
28227	Charlotte	$1,418	59.2%	7.01%	5.41%
27942	Harrellsville	$1,417	55.6%	8.03%	0.73%
28684	Todd	$1,414	45.2%	1.91%	0.45%
27822	Elm City	$1,412	163.2%	15.05%	1.50%
27291	Leasburg	$1,411	20.3%	3.39%	1.30%
27508	Bunn	$1,410	61.9%	4.29%	1.90%
27855	Murfreesboro	$1,409	39.6%	2.92%	2.92%
27886	Tarboro	$1,407	45.0%	5.06%	1.61%
27592	Willow Spring	$1,405	51.2%	4.77%	2.85%
28773	Saluda	$1,403	33.9%	2.54%	1.48%
27946	Hobbsville	$1,403	18.9%	2.75%	2.20%
28422	Bolivia	$1,402	25.6%	0.76%	0.87%
28213	Charlotte	$1,402	42.6%	6.67%	5.77%
28743	Hot Springs	$1,400	1.0%	0.45%	1.11%
28032	Cramerton	$1,398	85.0%	6.12%	2.93%
27896	Wilson	$1,397	47.7%	6.65%	1.45%
28079	Indian Trail	$1,397	60.0%	6.35%	6.28%
28627	Glade Valley	$1,396	42.8%	3.33%	0.98%
28622	Elk Park	$1,395	94.9%	3.59%	1.05%
28626	Fleetwood	$1,395	10.9%	2.23%	0.51%
28144	Salisbury	$1,393	49.0%	5.04%	3.40%
27505	Broadway	$1,393	39.0%	5.19%	2.06%
28216	Charlotte	$1,392	46.2%	6.42%	6.13%
27507	Bullock	$1,390	19.2%	3.13%	1.14%
28339	Erwin	$1,390	47.6%	5.53%	2.25%
27330	Sanford	$1,389	39.1%	4.69%	1.99%
27910	Ahoskie	$1,384	40.8%	4.02%	3.02%
27410	Greensboro	$1,384	64.6%	7.26%	2.57%
28753	Marshall	$1,384	19.4%	2.48%	1.56%
27545	Knightdale	$1,383	61.5%	6.92%	4.25%
27801	Rocky Mount	$1,383	69.2%	8.86%	2.32%
27569	Princeton	$1,382	37.6%	4.55%	1.94%
28343	Gibson	$1,382	27.1%	2.55%	2.55%
27883	Stantonsburg	$1,381	70.6%	6.43%	4.00%
27882	Spring Hope	$1,380	69.4%	5.99%	1.82%
27880	Sims	$1,378	154.9%	12.68%	2.43%
27604	Raleigh	$1,376	38.4%	5.84%	3.86%
28091	Lilesville	$1,376	160.0%	7.81%	2.34%
27932	Edenton	$1,376	32.0%	3.79%	3.39%
27865	Pinetown	$1,374	12.2%	2.77%	2.77%
28759	Mills River	$1,373	43.7%	5.66%	1.34%
27006	Advance	$1,371	49.6%	5.45%	1.65%
27818	Como	$1,368	13.6%	3.59%	0.45%
27810	Belhaven	$1,367	16.1%	2.17%	5.73%
28640	Jefferson	$1,366	21.0%	2.62%	0.58%
28124	Mount Pleasant	$1,366	70.8%	6.02%	2.21%
28351	Laurel Hill	$1,364	66.3%	4.59%	2.30%
27616	Raleigh	$1,364	52.2%	7.04%	6.64%
27897	Woodland	$1,364	27.7%	4.37%	1.94%
28751	Maggie Valley	$1,363	25.1%	2.95%	0.98%
27845	Jackson	$1,363	51.7%	7.84%	N/A
27610	Raleigh	$1,362	59.7%	8.10%	4.48%
28027	Concord	$1,360	72.6%	7.92%	4.88%
28107	Midland	$1,359	60.6%	3.90%	5.18%
27510	Carrboro	$1,357	45.3%	4.95%	1.43%
27577	Smithfield	$1,357	62.7%	5.53%	2.67%
28134	Pineville	$1,353	52.1%	5.12%	6.55%
28435	Currie	$1,353	31.7%	3.79%	0.76%
28345	Hamlet	$1,352	17.8%	4.15%	2.20%
27856	Nashville	$1,351	65.3%	5.84%	1.56%
27589	Warrenton	$1,349	27.3%	4.95%	2.24%
27869	Rich Square	$1,348	21.7%	5.42%	1.81%
27522	Creedmoor	$1,346	83.1%	7.92%	3.66%
27817	Chocowinity	$1,345	17.6%	2.31%	2.98%
28125	Mount Ulla	$1,345	68.8%	7.70%	2.31%
27371	Troy	$1,342	22.2%	3.54%	0.72%
28624	Ferguson	$1,342	233.4%	4.81%	0.48%
28712	Brevard	$1,342	39.9%	3.94%	1.14%
27542	Kenly	$1,341	71.4%	5.74%	2.02%
28768	Pisgah Forest	$1,340	63.1%	3.97%	1.05%
28205	Charlotte	$1,338	39.6%	4.51%	3.91%
27525	Franklinton	$1,337	50.7%	6.42%	3.44%
28315	Aberdeen	$1,336	63.1%	22.10%	2.88%
27012	Clemmons	$1,335	47.2%	5.22%	1.95%
28273	Charlotte	$1,334	47.5%	5.78%	8.11%
28012	Belmont	$1,333	41.8%	4.17%	3.41%
28707	Balsam	$1,331	17.9%	1.30%	1.30%
28101	Mc Adenville	$1,330	54.5%	4.65%	1.74%
28451	Leland	$1,330	32.2%	3.43%	1.11%
27831	Garysburg	$1,329	7.3%	1.47%	2.06%
28676	State Road	$1,327	52.2%	5.84%	2.19%
28338	Ellerbe	$1,327	58.5%	5.35%	1.39%
28786	Waynesville	$1,326	23.3%	2.69%	1.13%
28170	Wadesboro	$1,326	61.4%	6.44%	2.51%
27870	Roanoke Rapids	$1,325	36.2%	4.45%	1.72%
28119	Morven	$1,325	49.7%	6.81%	2.09%
27524	Four Oaks	$1,319	69.7%	4.33%	2.19%
28732	Fletcher	$1,319	26.5%	3.67%	1.66%
28909	Warne	$1,319	13.2%	2.19%	0.94%
28025	Concord	$1,319	56.8%	6.42%	4.77%
28742	Horse Shoe	$1,318	63.4%	4.74%	1.53%
27919	Belvidere	$1,318	18.8%	4.05%	1.16%
27597	Zebulon	$1,317	54.4%	5.04%	5.60%
28080	Iron Station	$1,315	53.2%	5.19%	2.37%
28167	Union Mills	$1,315	36.1%	3.72%	1.29%
28379	Rockingham	$1,313	18.0%	4.11%	2.20%
28618	Deep Gap	$1,311	12.5%	2.95%	1.13%
28573	Pollocksville	$1,311	27.9%	2.31%	5.66%
27576	Selma	$1,310	60.3%	5.72%	2.93%
28722	Columbus	$1,309	52.2%	6.33%	1.00%
27820	Conway	$1,308	22.5%	5.48%	4.39%
28469	Ocean Isle Beach	$1,307	62.3%	1.66%	0.65%
28785	Waynesville	$1,307	23.0%	2.90%	1.05%
28103	Marshville	$1,307	46.5%	5.23%	2.49%
27235	Colfax	$1,303	71.6%	8.91%	3.07%
28071	Gold Hill	$1,300	85.6%	5.21%	2.18%
27504	Benson	$1,300	39.7%	4.85%	1.98%
28115	Mooresville	$1,300	71.9%	7.39%	4.65%
28749	Little Switzerland	$1,300	2.3%	1.14%	1.71%
28761	Nebo	$1,299	44.7%	4.92%	1.48%
27553	Manson	$1,298	50.5%	5.91%	1.82%
28791	Hendersonville	$1,298	32.7%	4.39%	1.05%
27214	Browns Summit	$1,297	96.2%	8.60%	3.13%
28112	Monroe	$1,296	49.9%	4.83%	4.01%
28214	Charlotte	$1,295	38.1%	5.69%	8.42%
27557	Middlesex	$1,295	57.7%	5.63%	2.29%
27212	Blanch	$1,295	141.9%	8.81%	1.26%
27574	Roxboro	$1,295	43.2%	3.71%	1.63%
27243	Efland	$1,294	79.7%	3.81%	1.16%
27954	Manteo	$1,293	14.5%	1.42%	4.75%
27943	Hatteras	$1,292	36.9%	1.92%	2.56%
28694	West Jefferson	$1,291	14.7%	2.48%	0.70%
28631	Grassy Creek	$1,291	1.6%	1.29%	0.86%
27565	Oxford	$1,291	58.1%	7.50%	1.71%
27282	Jamestown	$1,291	65.9%	8.48%	2.67%
28805	Asheville	$1,290	39.0%	3.65%	1.22%
27970	Roper	$1,288	109.2%	2.55%	8.35%
28166	Troutman	$1,286	35.0%	4.59%	8.30%
27231	Cedar Grove	$1,285	76.6%	5.35%	1.50%
28711	Black Mountain	$1,285	21.2%	3.12%	0.80%
28454	Maple Hill	$1,284	23.5%	2.68%	1.46%
28772	Rosman	$1,284	16.7%	3.32%	1.02%
27356	Star	$1,284	48.6%	2.08%	1.49%
27252	Goldston	$1,283	68.6%	6.03%	1.90%
28771	Robbinsville	$1,282	41.5%	3.71%	1.08%
27964	Point Harbor	$1,281	12.7%	2.44%	3.25%
27009	Belews Creek	$1,281	33.6%	5.02%	1.54%
28713	Bryson City	$1,281	43.9%	3.46%	1.42%
27816	Castalia	$1,280	85.6%	6.97%	0.61%
27808	Bath	$1,279	19.2%	2.47%	3.24%
28562	New Bern	$1,276	17.6%	1.80%	3.07%
28905	Marble	$1,276	27.3%	3.71%	0.57%
27703	Durham	$1,276	65.8%	7.42%	4.04%
28616	Crossnore	$1,276	112.8%	3.92%	1.96%
27807	Bailey	$1,275	279.9%	24.01%	1.77%
28644	Laurel Springs	$1,275	36.4%	2.47%	0.88%
28347	Hoffman	$1,273	23.6%	6.82%	1.14%
28609	Catawba	$1,273	39.7%	5.28%	1.46%
27229	Candor	$1,273	52.5%	5.03%	0.63%
27591	Wendell	$1,272	54.3%	5.55%	3.10%
27013	Cleveland	$1,272	38.0%	6.08%	2.30%
27101	Winston Salem	$1,271	33.4%	6.10%	3.62%
28056	Gastonia	$1,269	37.4%	4.39%	3.47%
28164	Stanley	$1,269	59.5%	5.40%	2.26%
28215	Charlotte	$1,267	56.9%	6.52%	9.25%
28714	Burnsville	$1,266	35.0%	2.57%	0.93%
27040	Pfafftown	$1,266	49.6%	4.97%	2.55%
28212	Charlotte	$1,263	64.3%	6.37%	5.87%
28532	Havelock	$1,261	12.7%	2.28%	2.66%
28139	Rutherfordton	$1,260	54.4%	5.30%	1.26%
27544	Kittrell	$1,258	57.8%	6.08%	2.13%
27941	Harbinger	$1,256	1788.8%	2.59%	7.76%
27704	Durham	$1,255	55.4%	7.47%	2.84%
28789	Whittier	$1,255	32.9%	2.88%	0.98%
27403	Greensboro	$1,254	57.9%	5.33%	3.13%
27536	Henderson	$1,254	42.4%	6.60%	3.08%
27893	Wilson	$1,252	75.3%	8.52%	2.64%
28606	Boomer	$1,252	25.8%	3.66%	1.04%
28787	Weaverville	$1,251	33.8%	3.35%	1.34%
28721	Clyde	$1,251	55.9%	3.64%	1.46%
28110	Monroe	$1,251	70.9%	6.57%	6.09%
28735	Gerton	$1,250	47.7%	2.07%	2.07%
27537	Henderson	$1,250	81.9%	7.39%	1.54%
28373	Pinebluff	$1,249	43.2%	18.71%	2.27%
28779	Sylva	$1,249	24.0%	2.79%	0.80%
27313	Pleasant Garden	$1,249	107.1%	7.37%	2.32%
27851	Lucama	$1,248	48.9%	6.52%	2.83%
27541	Hurdle Mills	$1,245	57.3%	5.44%	1.28%
28465	Oak Island	$1,243	28.5%	1.73%	1.46%
28163	Stanfield	$1,243	31.3%	3.92%	2.94%
28665	Purlear	$1,243	22.6%	3.63%	1.40%
28654	Moravian Falls	$1,242	51.8%	4.61%	0.68%
27974	Shiloh	$1,241	6.3%	1.05%	3.16%
28901	Andrews	$1,239	19.3%	2.60%	0.87%
27568	Pine Level	$1,239	32.3%	5.59%	2.23%
27314	Prospect Hill	$1,238	45.3%	6.45%	1.08%
27301	Mc Leansville	$1,234	49.0%	6.08%	3.47%
28683	Thurmond	$1,233	43.9%	7.25%	1.16%
28120	Mount Holly	$1,232	54.3%	5.19%	4.85%
27265	High Point	$1,231	64.8%	8.18%	3.07%
27407	Greensboro	$1,230	57.2%	7.21%	3.94%
28147	Salisbury	$1,229	64.1%	5.99%	3.45%
27042	Pine Hall	$1,228	31.2%	4.90%	0.70%
28159	Spencer	$1,228	63.7%	4.40%	4.97%
27909	Elizabeth City	$1,228	18.2%	2.20%	3.63%
28709	Barnardsville	$1,227	16.9%	2.93%	1.22%
27973	Shawboro	$1,226	13.7%	1.53%	3.37%
28675	Sparta	$1,226	40.4%	2.37%	1.47%
28685	Traphill	$1,226	23.3%	4.20%	0.79%
28643	Lansing	$1,225	56.9%	2.52%	0.84%
28693	Warrensville	$1,223	59.6%	1.19%	0.59%
28585	Trenton	$1,222	8.3%	1.66%	2.40%
28697	Wilkesboro	$1,222	59.7%	6.02%	1.23%
28718	Cedar Mountain	$1,222	9.2%	2.16%	N/A
28146	Salisbury	$1,221	61.6%	6.18%	3.72%
28649	Mc Grady	$1,220	9.0%	2.75%	0.55%
27207	Bear Creek	$1,220	25.3%	3.81%	1.52%
27305	Milton	$1,220	45.5%	6.52%	2.17%
28601	Hickory	$1,219	64.6%	5.59%	2.03%
27406	Greensboro	$1,219	75.8%	9.10%	4.02%
28137	Richfield	$1,219	10.7%	2.66%	1.33%
28766	Penrose	$1,217	11.1%	2.62%	1.45%
28150	Shelby	$1,216	81.0%	6.34%	2.01%
28615	Creston	$1,214	6.3%	1.41%	0.60%
28701	Alexander	$1,214	15.0%	2.48%	1.34%
28403	Wilmington	$1,213	36.4%	1.68%	1.91%
28128	Norwood	$1,213	44.7%	4.00%	1.69%
27043	Pinnacle	$1,213	59.2%	5.34%	1.86%
27563	Norlina	$1,212	69.2%	4.74%	2.19%
28081	Kannapolis	$1,211	40.7%	5.33%	4.77%
28467	Calabash	$1,210	12.6%	1.40%	0.48%
28138	Rockwell	$1,209	33.6%	4.14%	3.90%
27921	Camden	$1,207	18.0%	2.28%	3.27%
27244	Elon	$1,204	71.5%	4.98%	1.51%
28009	Badin	$1,203	25.7%	5.69%	3.32%
27813	Black Creek	$1,202	17.6%	4.35%	3.48%
28560	New Bern	$1,202	36.0%	1.99%	3.63%
28512	Atlantic Beach	$1,201	17.9%	1.93%	1.25%
28906	Murphy	$1,200	33.8%	2.41%	0.97%
27215	Burlington	$1,198	35.1%	4.38%	2.26%
28660	Olin	$1,198	26.3%	4.90%	1.29%
28623	Ennice	$1,198	1.6%	1.16%	0.70%
28689	Union Grove	$1,197	26.8%	2.87%	0.86%
27581	Stem	$1,196	63.7%	6.39%	1.63%
28468	Sunset Beach	$1,196	24.9%	1.22%	0.28%
27239	Denton	$1,195	50.3%	4.31%	1.49%
28023	China Grove	$1,194	61.4%	6.30%	2.77%
27054	Woodleaf	$1,194	27.6%	3.96%	2.20%
28174	Wingate	$1,194	49.7%	5.67%	4.16%
28054	Gastonia	$1,193	56.1%	5.60%	3.72%
28449	Kure Beach	$1,193	11.9%	1.04%	0.83%
28001	Albemarle	$1,192	39.3%	4.31%	3.13%
27377	Whitsett	$1,192	34.2%	4.23%	3.91%
28411	Wilmington	$1,192	27.7%	1.91%	1.28%
28677	Statesville	$1,191	50.9%	5.01%	3.31%
27915	Avon	$1,191	3.5%	1.23%	0.31%
28715	Candler	$1,191	41.6%	3.85%	1.45%
28625	Statesville	$1,190	61.7%	5.45%	2.37%
27344	Siler City	$1,189	37.2%	4.59%	1.78%
27284	Kernersville	$1,187	54.1%	6.07%	2.38%
27379	Yanceyville	$1,187	26.3%	5.20%	1.54%
27357	Stokesdale	$1,186	24.7%	4.06%	2.61%
28021	Cherryville	$1,185	145.1%	12.84%	1.98%
28748	Leicester	$1,185	84.0%	3.54%	1.98%
28006	Alexis	$1,185	12.6%	3.11%	2.72%
27889	Washington	$1,184	32.5%	2.43%	3.29%
27583	Timberlake	$1,182	44.7%	5.10%	1.46%
28574	Richlands	$1,178	42.0%	2.33%	2.18%
27283	Julian	$1,176	48.9%	6.08%	2.15%
28405	Wilmington	$1,175	46.4%	2.31%	1.86%
28762	Old Fort	$1,172	28.6%	3.26%	1.44%
28018	Bostic	$1,172	35.6%	3.04%	1.52%
28217	Charlotte	$1,170	41.7%	6.62%	4.11%
27007	Ararat	$1,170	46.6%	4.81%	1.01%
28088	Landis	$1,169	85.8%	5.06%	5.31%
28792	Hendersonville	$1,167	48.5%	3.91%	1.64%
28033	Crouse	$1,167	205.2%	16.61%	1.19%
28621	Elkin	$1,166	27.4%	4.40%	1.92%
27878	Sharpsburg	$1,165	26.7%	6.11%	0.76%
27209	Biscoe	$1,165	60.9%	4.16%	1.66%
27962	Plymouth	$1,162	29.9%	2.52%	7.13%
27233	Climax	$1,161	61.0%	6.96%	2.54%
27028	Mocksville	$1,160	49.3%	3.66%	1.83%
27936	Frisco	$1,160	32.4%	1.06%	3.55%
28729	Etowah	$1,159	43.6%	4.98%	1.70%
28206	Charlotte	$1,158	79.0%	6.71%	5.51%
27401	Greensboro	$1,157	54.3%	5.73%	3.48%
28526	Dover	$1,155	24.8%	3.45%	3.45%
28208	Charlotte	$1,154	58.7%	5.14%	5.64%
27019	Germanton	$1,154	62.8%	5.88%	2.03%
27103	Winston Salem	$1,152	42.4%	4.29%	2.78%
28705	Bakersville	$1,152	37.2%	2.62%	0.97%
28716	Canton	$1,151	58.6%	5.60%	1.66%
27555	Micro	$1,150	36.6%	8.33%	1.39%
28617	Crumpler	$1,150	17.1%	2.41%	1.01%
28734	Franklin	$1,150	24.1%	2.22%	0.71%
27050	Tobaccoville	$1,149	39.0%	5.14%	2.81%
27326	Ruffin	$1,149	295.0%	22.48%	1.32%
27292	Lexington	$1,148	47.9%	4.63%	1.77%
27806	Aurora	$1,146	4.8%	1.68%	3.69%
28740	Green Mountain	$1,145	13.7%	3.01%	0.67%
27242	Eagle Springs	$1,144	7.7%	1.61%	0.81%
28763	Otto	$1,142	87.7%	2.48%	0.71%
28090	Lawndale	$1,142	54.3%	4.89%	1.21%
27295	Lexington	$1,141	65.3%	4.91%	1.90%
27105	Winston Salem	$1,140	97.6%	9.27%	4.09%
28092	Lincolnton	$1,139	89.0%	8.26%	1.95%
27205	Asheboro	$1,138	48.7%	4.64%	1.88%
28129	Oakboro	$1,138	43.9%	4.08%	3.62%
27315	Providence	$1,137	122.2%	16.55%	2.07%
27582	Stovall	$1,137	194.8%	4.05%	1.35%
28634	Harmony	$1,137	71.3%	3.55%	1.52%
27022	Lawsonville	$1,135	37.3%	4.47%	0.69%
27302	Mebane	$1,134	56.0%	6.79%	2.70%
28678	Stony Point	$1,134	86.4%	8.33%	2.24%
27355	Staley	$1,133	66.4%	6.21%	1.50%
27409	Greensboro	$1,130	53.1%	6.39%	3.16%
27966	Powells Point	$1,127	23.0%	2.91%	4.07%
27258	Haw River	$1,123	43.6%	4.09%	2.55%
27509	Butner	$1,123	41.9%	6.39%	3.35%
28097	Locust	$1,123	37.2%	4.54%	4.84%
27107	Winston Salem	$1,123	49.6%	5.62%	3.66%
28083	Kannapolis	$1,122	47.3%	5.43%	3.91%
27298	Liberty	$1,121	47.8%	3.88%	2.17%
28098	Lowell	$1,120	26.8%	3.53%	4.84%
28657	Newland	$1,119	22.8%	2.52%	0.86%
28421	Atkinson	$1,117	248.8%	3.06%	1.53%
28611	Collettsville	$1,116	105.5%	3.06%	1.53%
27370	Trinity	$1,115	47.8%	5.76%	2.64%
27045	Rural Hall	$1,115	62.7%	5.97%	3.07%
28086	Kings Mountain	$1,114	52.4%	4.16%	3.84%
28510	Arapahoe	$1,114	14.7%	1.33%	2.09%
27929	Currituck	$1,112	37.6%	2.10%	1.89%
27053	Westfield	$1,111	28.5%	3.67%	2.14%
28052	Gastonia	$1,110	78.3%	7.54%	3.57%
27349	Snow Camp	$1,110	20.4%	3.84%	2.24%
28425	Burgaw	$1,107	24.4%	2.62%	2.35%
28034	Dallas	$1,107	55.5%	3.86%	4.37%
28445	Holly Ridge	$1,106	30.1%	1.71%	0.54%
27360	Thomasville	$1,106	59.3%	6.92%	2.66%
27127	Winston Salem	$1,105	47.1%	5.30%	2.93%
27041	Pilot Mountain	$1,104	22.4%	3.64%	2.40%
27025	Madison	$1,103	111.4%	6.83%	1.50%
27341	Seagrove	$1,102	43.2%	4.29%	1.74%
28114	Mooresboro	$1,102	167.2%	7.57%	1.55%
28778	Swannanoa	$1,102	48.9%	3.12%	1.15%
27014	Cooleemee	$1,101	6.6%	2.48%	1.86%
27299	Linwood	$1,099	44.7%	6.20%	1.93%
27573	Roxboro	$1,097	39.0%	4.84%	2.38%
28669	Roaring River	$1,097	37.2%	3.36%	1.44%
28043	Forest City	$1,097	67.0%	5.89%	1.95%
28586	Vanceboro	$1,096	28.6%	3.17%	2.91%
28708	Balsam Grove	$1,096	11.3%	4.20%	N/A
28478	Willard	$1,095	29.4%	1.72%	0.69%
27048	Stoneville	$1,094	70.9%	4.14%	1.30%
27249	Gibsonville	$1,094	51.5%	5.96%	2.54%
27018	East Bend	$1,094	44.7%	3.32%	1.24%
27052	Walnut Cove	$1,094	47.7%	4.46%	2.78%
28655	Morganton	$1,094	44.7%	5.02%	1.68%
28152	Shelby	$1,093	63.7%	6.41%	2.30%
28806	Asheville	$1,092	33.1%	3.30%	1.70%
28016	Bessemer City	$1,090	27.6%	4.18%	2.54%
27017	Dobson	$1,089	50.0%	5.23%	1.48%
27253	Graham	$1,088	38.9%	4.52%	2.28%
27051	Walkertown	$1,083	64.3%	5.36%	2.44%
27055	Yadkinville	$1,082	33.1%	4.19%	1.46%
28681	Taylorsville	$1,081	55.3%	4.96%	1.50%
28777	Spruce Pine	$1,077	9.2%	1.83%	1.26%
27947	Jarvisburg	$1,077	7.6%	1.51%	4.02%
27325	Robbins	$1,076	47.6%	3.28%	1.01%
27317	Randleman	$1,076	45.5%	4.62%	2.40%
27288	Eden	$1,075	86.4%	9.92%	2.24%
28462	Supply	$1,075	41.4%	2.16%	0.50%
27311	Pelham	$1,074	64.5%	8.03%	1.38%
27248	Franklinville	$1,073	41.2%	5.33%	2.28%
27047	Siloam	$1,072	18.3%	5.56%	0.93%
27320	Reidsville	$1,070	80.1%	8.44%	1.76%
28168	Vale	$1,068	108.2%	5.19%	1.76%
28594	Emerald Isle	$1,068	21.0%	2.01%	1.51%
28719	Cherokee	$1,066	8.4%	0.89%	1.11%
28658	Newton	$1,065	50.1%	5.43%	2.74%
28630	Granite Falls	$1,064	40.8%	4.42%	1.83%
28409	Wilmington	$1,064	37.2%	2.70%	1.92%
27405	Greensboro	$1,063	39.3%	6.64%	6.16%
28443	Hampstead	$1,063	42.9%	2.90%	1.31%
27046	Sandy Ridge	$1,062	27.2%	4.86%	1.28%
28602	Hickory	$1,060	61.2%	6.55%	1.86%
27016	Danbury	$1,058	50.1%	7.98%	1.71%
28571	Oriental	$1,058	7.9%	2.11%	1.24%
28527	Ernul	$1,056	4.3%	1.02%	6.12%
28546	Jacksonville	$1,056	53.1%	3.86%	2.34%
27350	Sophia	$1,055	45.8%	5.41%	2.31%
28610	Claremont	$1,055	55.1%	7.00%	1.80%
27021	King	$1,055	58.9%	5.72%	1.86%
28651	Millers Creek	$1,052	50.2%	4.47%	1.32%
27263	High Point	$1,049	47.2%	5.48%	3.01%
28040	Ellenboro	$1,048	119.4%	11.36%	1.81%
27030	Mount Airy	$1,045	44.1%	3.99%	2.41%
27217	Burlington	$1,044	72.9%	6.59%	3.99%
27020	Hamptonville	$1,044	52.9%	6.10%	1.87%
28645	Lenoir	$1,044	54.0%	4.71%	1.90%
28650	Maiden	$1,043	51.3%	5.31%	2.29%
28073	Grover	$1,041	39.5%	4.17%	2.08%
28752	Marion	$1,040	43.9%	4.43%	1.81%
28539	Hubert	$1,039	50.0%	2.66%	1.74%
28470	Shallotte	$1,037	12.0%	1.29%	0.73%
28670	Ronda	$1,036	150.4%	4.56%	0.41%
28479	Winnabow	$1,036	26.5%	2.14%	0.98%
27316	Ramseur	$1,034	41.9%	5.35%	2.87%
28659	North Wilkesboro	$1,033	35.6%	4.42%	1.50%
28613	Conover	$1,031	70.8%	5.51%	1.73%
27203	Asheboro	$1,029	55.2%	3.68%	2.62%
27920	Buxton	$1,028	42.1%	1.85%	0.46%
28160	Spindale	$1,025	57.8%	3.77%	1.44%
27024	Lowgap	$1,024	32.9%	3.46%	2.24%
28636	Hiddenite	$1,022	25.0%	3.32%	0.98%
28020	Casar	$1,021	43.5%	4.93%	1.28%
28582	Stella	$1,020	4.1%	1.25%	1.46%
27208	Bennett	$1,020	89.9%	4.53%	0.35%
28635	Hays	$1,019	14.8%	2.45%	1.59%
28420	Ash	$1,012	15.4%	1.67%	0.56%
28584	Swansboro	$1,011	42.1%	1.70%	0.79%
28690	Valdese	$1,006	52.6%	3.62%	1.74%
27011	Boonville	$1,002	40.0%	5.28%	1.69%
28412	Wilmington	$1,002	53.9%	1.63%	1.39%
28540	Jacksonville	$1,002	52.4%	2.91%	1.98%
27928	Creswell	$1,001	13.8%	2.36%	8.96%
28428	Carolina Beach	$999	20.8%	1.19%	0.97%
28612	Connelly Springs	$994	40.9%	4.63%	1.74%
27260	High Point	$994	56.3%	6.49%	5.46%
28401	Wilmington	$991	66.3%	2.20%	2.34%
27939	Grandy	$989	4.9%	1.37%	2.28%
28457	Rocky Point	$984	40.5%	1.89%	1.75%
28628	Glen Alpine	$973	20.6%	4.17%	N/A
28077	High Shoals	$970	110.7%	6.67%	3.33%
28642	Jonesville	$969	28.1%	4.72%	1.54%
28557	Morehead City	$964	28.1%	2.06%	1.28%
27027	Mayodan	$963	33.9%	5.38%	1.66%
28460	Sneads Ferry	$963	23.0%	2.26%	0.77%
28516	Beaufort	$955	33.3%	1.88%	1.46%
28726	East Flat Rock	$954	27.3%	4.41%	0.70%
28555	Maysville	$943	30.4%	2.45%	4.01%
28637	Hildebran	$935	27.8%	3.37%	3.09%
28429	Castle Hayne	$935	34.6%	2.59%	1.64%
28638	Hudson	$933	50.3%	4.48%	2.18%
28523	Cove City	$931	17.9%	2.34%	2.60%
27925	Columbia	$919	22.1%	4.49%	4.99%
27923	Coinjock	$911	0.2%	0.88%	3.51%
28619	Drexel	$909	10.2%	2.42%	2.42%
28544	Midway Park	$903	26.9%	1.31%	1.64%
28556	Merritt	$900	6.9%	1.69%	0.42%
28570	Newport	$895	21.5%	1.54%	1.39%
28515	Bayboro	$891	3.1%	1.67%	3.33%
28671	Rutherford College	$884	130.0%	9.62%	N/A
28528	Gloucester	$884	43.4%	1.74%	0.87%
28529	Grantsboro	$847	69.7%	2.48%	2.80%
28531	Harkers Island	$786	11.8%	1.15%	1.61%
28524	Davis	$779	136.3%	1.09%	N/A
28511	Atlantic	$778	9.7%	1.41%	1.41%
28553	Marshallberg	$761	2.1%	0.74%	N/A

North Carolina Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How North Carolina compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in North Carolina

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to North Carolina ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

75.1

19th of 50 states by mean score · national mean 69.3

Counties joined

100

Distinct county FIPS on North Carolina FIO ZIPs

Most common top hazard

Hurricane

48 of 100 counties

Highest FEMA NRI counties in North Carolina
County	Risk score	Rating	Top hazard
Mecklenburg	97.1	Relatively High	Tornado
New Hanover	96.1	Relatively High	Hurricane
Brunswick	95.8	Relatively High	Hurricane

Counties with elevated FEMA hazard ratings in North Carolina
Hazard	Elevated counties	Share of joined
Winter weather	28	28%
Hurricane	23	23%
Tornado	11	11%
Flooding	4	4%
Hail	2	2%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for North Carolina: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,379/yr here).

Washington $1,384/yr Virginia $1,369/yr New Hampshire $1,428/yr Idaho $1,321/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (2.46% here).

Nebraska 2.59% Arizona 1.99% Louisiana 1.98% California 1.86%

Frequently Asked Questions

What is the average homeowners insurance cost in North Carolina? ▼

Averaged across the 722 North Carolina ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,379 ($1,485 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 22% below the national average of $1,776.

How have insurance premiums changed in North Carolina? ▼

North Carolina homeowners insurance premiums changed by +7.6% between 2018 and 2022. The average loss ratio is 47.6%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in North Carolina? ▼

The most expensive ZIP code for homeowners insurance in North Carolina is 28207, with an average premium of $3,558/yr. The most affordable is 28553 at $761/yr.

What is the nonrenewal rate for North Carolina homeowners insurance? ▼

Averaged across the North Carolina ZIP codes that report one, the nonrenewal rate is 2.46%. This rate has changed by +8.8% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 28212 has the highest nonrenewal rate in the state at 5.87%.

What is a loss ratio and what does North Carolina's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. North Carolina's average loss ratio is 47.6%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in North Carolina? ▼

The average claim frequency in North Carolina is 4.82%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,632. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in North Carolina? ▼

Across 100 FEMA National Risk Index counties that join to North Carolina ZIP codes in the FIO file, the mean county risk score is 75.1 (8% above the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (48 of 100 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (28), Hurricane (23), Tornado (11). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

North Carolina in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

North Carolina ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

North Carolina Homeowners Insurance

How North Carolina Compares

Data Snapshot: North Carolina Homeowners Insurance

Loss Ratio Reading: North Carolina

Premium Trends (2018-2022)

Average premium in North Carolina, 2018–2022

Most Expensive ZIP Codes in North Carolina

Most Affordable ZIP Codes in North Carolina

All ZIP Codes in North Carolina

North Carolina Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related