North Carolina

Home insurance overview — 725 ZIP codes, 499 cities

Avg Premium (2025 Est.)

$1,573

+14.1% from 2022

Nonrenewal Rate

2.46%

5yr Storm Damage

$3.0B

North Carolina Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Harrells	1	$2,116	74	+15.0%	High
Hallsboro	1	$2,402	72	+15.4%	High
Linville	1	$4,220	72	+20.9%	High
Ingold	1	$1,843	70	+11.5%	High
Godwin	1	$1,970	70	+13.3%	High
Fayetteville	7	$2,118	70	+14.9%	High
Faison	1	$1,857	70	+11.6%	High
Autryville	1	$1,866	69	+12.4%	High
Fremont	1	$1,755	69	+14.0%	High
Eastover	1	$2,100	68	+13.8%	High
Turkey	1	$1,795	67	+8.0%	High
Linden	1	$2,098	67	+14.2%	High
Delco	1	$2,179	67	+16.3%	High
Hope Mills	1	$2,079	67	+15.5%	High
Gerton	1	$1,478	67	+18.3%	High
Dudley	1	$1,651	67	+14.4%	High
Bunnlevel	1	$1,972	67	+16.3%	High
Stedman	1	$1,823	66	+12.4%	High
Hatteras	1	$1,580	66	+22.3%	High
Chadbourn	1	$2,136	66	+14.4%	High
Cornelius	1	$2,278	66	+15.2%	High
Davidson	1	$2,119	66	+12.3%	High
Salemburg	1	$1,858	66	+14.9%	High
Roseboro	1	$1,891	66	+14.8%	High
Raleigh	15	$2,056	65	+17.4%	High
Anderson Creek	1	$2,145	65	+16.5%	High
Wade	1	$1,911	65	+14.3%	High
Weldon	1	$1,799	65	+13.9%	High
Goldsboro	2	$1,845	64	+11.6%	High
Cary	4	$2,043	64	+15.9%	High
White Oak	1	$2,176	64	+15.2%	High
Kelly	2	$2,048	64	+12.2%	High
Pikeville	1	$1,678	63	+11.2%	High
Riegelwood	1	$2,019	63	+11.7%	High
Chimney Rock Village	2	$1,651	63	+27.2%	High
Hobgood	1	$1,732	63	+14.9%	High
Wrightsville Beach	1	$3,233	62	+16.3%	High
Halifax	1	$1,788	62	+18.6%	High
Evergreen	1	$2,324	62	+14.6%	High
Colerain	2	$2,231	62	+12.8%	High
Enfield	1	$1,714	62	+13.9%	High
Rolesville	1	$1,807	62	+15.7%	High
Bolton	1	$2,428	62	+12.1%	High
Lilesville	1	$1,579	62	+14.8%	High
Parkton	1	$2,122	62	+14.7%	High
Stokes	1	$1,975	61	+12.1%	High
Mamers	1	$1,868	61	+15.4%	High
Vass	1	$1,768	61	+10.9%	High
Black Creek	1	$1,425	61	+18.6%	High
Middlesex	1	$1,476	61	+14.0%	High
Oak Ridge	1	$1,852	61	+13.3%	High
Hookerton	1	$1,767	61	+15.1%	High
Lumber Bridge	1	$1,909	61	+12.3%	High
Spout Springs	1	$2,024	61	+15.6%	High
Charlotte	23	$1,905	61	+15.2%	High
Lake Lure	1	$1,720	61	+11.8%	High
Bunn	1	$1,655	61	+17.4%	High
Summerfield	1	$1,865	61	+14.3%	High
Lake Norman of Catawba	2	$1,723	61	+13.5%	High
Whiteville	1	$2,090	61	+10.1%	High
Knightdale	1	$1,622	61	+17.3%	High
Beech Mountain	1	$2,067	61	+16.0%	High
Wagram	2	$1,622	61	+9.7%	High
Wake Forest	1	$1,929	61	+15.0%	High
Tryon	1	$1,734	61	+15.2%	High
Rocky Mount	3	$1,639	61	+14.7%	High
Hoffman	1	$1,445	61	+13.5%	High
Glenville	1	$2,496	61	+14.8%	High
Newton Grove	1	$1,634	61	+11.3%	High
Keener	1	$1,855	61	+12.2%	High
Tabor City	3	$2,135	60	+10.7%	Elevated
Hamlet	1	$1,566	60	+15.8%	Elevated
Morrisville	1	$1,749	60	+16.1%	Elevated
Holly Springs	1	$1,800	60	+15.0%	Elevated
Pineville	1	$1,548	60	+14.4%	Elevated
Plain View	1	$1,686	60	+14.0%	Elevated
Rennert	1	$1,924	60	+14.3%	Elevated
Stantonsburg	1	$1,583	60	+14.7%	Elevated
Erwin	1	$1,616	60	+16.3%	Elevated
Apex	4	$1,792	59	+14.3%	Elevated
Bailey	1	$1,439	59	+12.8%	Elevated
Matthews	1	$1,786	59	+14.4%	Elevated
Badin	1	$1,402	59	+16.5%	Elevated
Zebulon	1	$1,495	59	+13.6%	Elevated
Moncure	1	$1,667	59	+15.7%	Elevated
Pine Level	1	$1,402	59	+13.2%	Elevated
Pembroke	1	$1,849	59	+13.4%	Elevated
Garner	1	$1,663	59	+15.7%	Elevated
Kenly	1	$1,534	59	+14.4%	Elevated
Laurel Hill	1	$1,572	59	+15.2%	Elevated
Clarkton	1	$1,922	59	+10.0%	Elevated
Kitty Hawk	4	$1,749	59	+13.9%	Elevated
Lake Norman of Iredell	1	$2,178	59	+15.6%	Elevated
Ivanhoe	1	$1,957	59	+15.8%	Elevated
Cove Creek	2	$1,683	59	+14.5%	Elevated
Kinston	2	$2,069	59	+15.7%	Elevated
St. Pauls	1	$1,872	59	+14.4%	Elevated
Windsor	1	$1,869	59	+13.3%	Elevated
Greensboro	10	$1,468	58	+15.4%	Elevated
Smithfield	1	$1,545	58	+13.9%	Elevated
Cashiers	2	$3,135	58	+18.7%	Elevated
Whitakers	1	$1,692	58	+15.9%	Elevated
Lumberton	2	$1,792	58	+13.2%	Elevated
Wallace	1	$2,285	58	+14.7%	Elevated
Seven Springs	2	$1,750	58	+11.6%	Elevated
McLeansville	1	$1,436	58	+16.4%	Elevated
Frisco	1	$1,443	58	+24.4%	Elevated
Farmville	1	$1,828	58	+13.7%	Elevated
Elk Park	1	$1,610	58	+15.4%	Elevated
Hot Springs	1	$1,596	58	+14.0%	Elevated
Greenville	2	$1,983	58	+13.4%	Elevated
Southern Pines	1	$1,854	58	+12.1%	Elevated
Mint Hill	1	$1,617	58	+14.0%	Elevated
Archer Lodge	1	$1,783	58	+13.7%	Elevated
Carrboro	1	$1,570	58	+15.7%	Elevated
Scotland Neck	1	$1,629	58	+12.5%	Elevated
Polkton	1	$1,696	58	+12.7%	Elevated
High Shoals	1	$1,120	58	+15.5%	Elevated
Nags Head	1	$2,205	57	+14.5%	Elevated
Deep Run	1	$1,939	57	+17.3%	Elevated
Huntersville	1	$1,815	57	+13.4%	Elevated
Red Oak	2	$1,615	57	+14.6%	Elevated
Wendell	1	$1,458	57	+14.6%	Elevated
Lewiston Woodville	1	$1,825	57	+12.8%	Elevated
Lake Royale	2	$1,601	57	+13.9%	Elevated
Garysburg	2	$1,651	57	+16.5%	Elevated
Fair Bluff	1	$1,913	57	+8.2%	Elevated
Goldston	2	$1,443	57	+15.3%	Elevated
Durham	8	$1,720	57	+16.0%	Elevated
Warsaw	1	$1,970	57	+13.5%	Elevated
Gibson	1	$1,580	57	+14.4%	Elevated
Elizabethtown	1	$1,799	57	+11.3%	Elevated
Wadesboro	1	$1,491	57	+12.4%	Elevated
Blowing Rock	2	$1,766	57	+15.5%	Elevated
Laurinburg	1	$1,712	57	+14.6%	Elevated
Mills River	1	$1,573	57	+14.6%	Elevated
Valle Crucis	1	$1,672	57	+13.8%	Elevated
Four Oaks	1	$1,505	57	+14.1%	Elevated
Montreat	1	$1,786	57	+12.9%	Elevated
Benson	1	$1,463	57	+12.6%	Elevated
Faith	1	$1,392	57	+13.6%	Elevated
Hollister	1	$1,692	57	+15.1%	Elevated
Cramerton	1	$1,589	57	+13.6%	Elevated
Princeton	1	$1,557	57	+12.7%	Elevated
Royal Pines	1	$1,675	57	+17.2%	Elevated
Lake Waccamaw	1	$2,130	57	+11.4%	Elevated
High Point	5	$1,430	56	+14.5%	Elevated
Asheville	5	$1,551	56	+15.7%	Elevated
Kenansville	1	$2,001	56	+14.1%	Elevated
Delway	2	$2,028	56	+14.5%	Elevated
Selma	1	$1,475	56	+12.6%	Elevated
Saluda	1	$1,626	56	+15.9%	Elevated
Micro	1	$1,339	56	+16.4%	Elevated
Gatesville	2	$1,862	56	+14.0%	Elevated
Grifton	1	$1,784	56	+14.9%	Elevated
Chapel Hill	3	$2,155	56	+15.0%	Elevated
Rockingham	1	$1,500	56	+14.2%	Elevated
Rosman	3	$1,827	56	+14.8%	Elevated
Pinehurst	1	$2,090	56	+12.4%	Elevated
Coats	1	$1,628	56	+14.4%	Elevated
Lucama	1	$1,435	56	+15.0%	Elevated
Aulander	1	$1,628	56	+13.7%	Elevated
Canton	1	$1,311	56	+13.9%	Elevated
Severn	1	$1,885	56	+14.1%	Elevated
Marshall	1	$1,567	56	+13.2%	Elevated
Raemon	1	$1,784	56	+13.6%	Elevated
Elm City	1	$1,627	55	+15.2%	Elevated
Snow Hill	1	$1,671	55	+12.3%	Elevated
Mount Olive	1	$1,799	55	+13.3%	Elevated
Hoopers Creek	1	$1,519	55	+15.2%	Elevated
Pinebluff	1	$1,424	55	+14.0%	Elevated
Waynesville	1	$1,503	55	+13.3%	Elevated
Macclesfield	1	$1,686	55	+15.7%	Elevated
Clayton	1	$1,653	55	+14.9%	Elevated
Fairmont	1	$1,755	55	+11.3%	Elevated
Engelhard	1	$2,293	55	+26.4%	Elevated
Grimesland	1	$1,845	55	+12.0%	Elevated
Aberdeen	1	$1,490	55	+11.5%	Elevated
Five Points	1	$1,836	55	+12.4%	Elevated
Highlands	2	$2,415	55	+13.5%	Elevated
Nebo	1	$1,465	55	+12.7%	Elevated
Elrod	1	$1,714	55	+10.8%	Elevated
Ayden	1	$1,798	55	+13.3%	Elevated
La Grange	1	$1,843	55	+12.8%	Elevated
Alexis	1	$1,315	55	+11.0%	Elevated
Waxhaw	1	$2,218	55	+13.5%	Elevated
Manteo	1	$1,559	55	+20.6%	Elevated
Pinetops	1	$1,672	55	+17.3%	Elevated
Edneyville	1	$1,342	54	+15.0%	Elevated
Whitsett	2	$1,340	54	+13.1%	Elevated
Beulaville	1	$1,747	54	+12.7%	Elevated
Catawba	1	$1,476	54	+15.9%	Elevated
Angier	1	$1,639	54	+13.9%	Elevated
Fuquay-Varina	2	$1,626	54	+14.7%	Elevated
Cerro Gordo	1	$2,129	54	+11.2%	Elevated
Horse Shoe	1	$1,544	54	+17.1%	Elevated
Moyock	1	$1,773	54	+19.9%	Elevated
Sparta	3	$1,594	54	+15.2%	Elevated
Morven	1	$1,468	54	+10.8%	Elevated
New London	1	$1,725	54	+13.3%	Elevated
Sanford	2	$1,704	54	+14.2%	Elevated
Seven Lakes	1	$1,684	54	+10.7%	Elevated
Flat Rock	1	$1,637	54	+13.8%	Elevated
Winton	2	$1,636	54	+14.8%	Elevated
Clyde	1	$1,429	54	+14.2%	Elevated
McAdenville	1	$1,503	54	+13.0%	Elevated
Conway	1	$1,499	54	+14.6%	Elevated
Pantego	1	$1,632	54	+11.2%	Elevated
Broadway	1	$1,558	54	+11.9%	Elevated
Carthage	1	$1,630	54	+11.5%	Elevated
Kill Devil Hills	1	$1,852	54	+13.3%	Elevated
Pleasant Garden	2	$1,369	54	+13.5%	Elevated
Staley	1	$1,308	54	+15.5%	Elevated
Potters Hill	1	$1,823	54	+12.1%	Elevated
Seaboard	1	$1,653	53	+12.2%	Elevated
Belhaven	1	$1,503	53	+10.0%	Elevated
Woodland	1	$1,518	53	+11.3%	Elevated
Harrellsville	1	$1,529	53	+7.9%	Elevated
Red Springs	1	$1,767	53	+11.6%	Elevated
Old Fort	1	$1,320	53	+12.6%	Elevated
Sims	1	$1,553	53	+12.7%	Elevated
Elkin	2	$1,425	53	+14.3%	Elevated
Bostic	2	$1,374	53	+10.5%	Elevated
South Mills	1	$1,651	53	+15.3%	Elevated
Woodfin	3	$1,509	53	+13.4%	Elevated
Tar Heel	1	$1,750	53	+9.6%	Elevated
Etowah	3	$1,488	53	+16.8%	Elevated
Forest City	1	$1,245	53	+13.5%	Elevated
Rich Square	1	$1,518	53	+12.6%	Elevated
Lowell	1	$1,295	53	+15.6%	Elevated
Cullowhee	3	$1,692	53	+15.9%	Elevated
Spruce Pine	2	$1,371	53	+15.4%	Elevated
Winterville	1	$1,887	53	+13.5%	Elevated
Mount Gilead	1	$1,588	53	+11.8%	Elevated
Foxfire	1	$1,633	53	+9.6%	Elevated
Fairview	2	$1,656	53	+15.6%	Elevated
Sharpsburg	1	$1,337	53	+14.7%	Elevated
Barnardsville	1	$1,437	53	+17.1%	Elevated
Weddington	1	$2,015	53	+14.5%	Elevated
Orrum	1	$1,563	53	+8.0%	Elevated
Franklinton	1	$1,474	53	+10.2%	Elevated
Belmont	1	$1,521	52	+14.1%	Elevated
Stovall	2	$1,392	52	+10.2%	Elevated
Newton	1	$1,218	52	+14.4%	Elevated
Gibsonville	1	$1,250	52	+14.2%	Elevated
Warrenton	1	$1,543	52	+14.4%	Elevated
Ellerbe	1	$1,494	52	+12.6%	Elevated
Pittsboro	1	$1,786	52	+15.5%	Elevated
Youngsville	1	$1,639	52	+12.0%	Elevated
Ahoskie	1	$1,513	52	+9.3%	Elevated
Boone	3	$1,583	52	+13.4%	Elevated
Ramseur	1	$1,170	52	+13.1%	Elevated
Stokesdale	1	$1,342	52	+13.1%	Elevated
Maggie Valley	1	$1,567	52	+15.0%	Elevated
Stanfield	1	$1,392	52	+12.0%	Elevated
Archdale	1	$1,196	52	+14.0%	Elevated
Columbus	2	$1,698	52	+15.4%	Elevated
Weaverville	1	$1,428	52	+14.1%	Elevated
Hertford	1	$1,662	52	+9.6%	Elevated
Cleveland	2	$1,495	52	+14.2%	Elevated
Chinquapin	1	$1,798	52	+14.5%	Elevated
Mountain Home	1	$1,492	51	+15.0%	Elevated
Hudson	1	$1,066	51	+14.2%	Elevated
Red Cross	1	$1,294	51	+13.7%	Elevated
Bladenboro	1	$1,674	51	+12.1%	Elevated
Littleton	1	$1,900	51	+13.7%	Elevated
Mebane	2	$1,385	51	+14.4%	Elevated
Jefferson	3	$1,430	51	+13.2%	Elevated
Mount Pleasant	1	$1,562	51	+14.4%	Elevated
Midland	1	$1,528	51	+12.4%	Elevated
Randleman	2	$1,216	51	+14.1%	Elevated
Jamesville	1	$1,862	51	+12.7%	Elevated
Bethel	1	$1,790	51	+9.5%	Elevated
Ellenboro	1	$1,188	51	+13.3%	Elevated
Norwood	1	$1,391	51	+14.7%	Elevated
Hickory	2	$1,300	51	+14.1%	Elevated
Crossnore	2	$1,523	51	+13.9%	Elevated
Wilson	2	$1,513	51	+14.2%	Elevated
Lowgap	3	$1,822	51	+14.7%	Elevated
Aurora	1	$1,267	51	+10.5%	Elevated
Norlina	2	$1,419	51	+13.0%	Elevated
Gold Hill	1	$1,473	51	+13.3%	Elevated
Liberty	1	$1,274	51	+13.7%	Elevated
Landis	1	$1,325	51	+13.3%	Elevated
Henderson	2	$1,414	51	+13.0%	Elevated
Robersonville	1	$1,760	51	+15.0%	Elevated
Harrisburg	1	$1,745	51	+13.1%	Elevated
Efland	1	$1,466	51	+13.3%	Elevated
Roanoke Rapids	1	$1,524	50	+15.0%	Elevated
Claremont	1	$1,206	50	+14.3%	Elevated
Siler City	1	$1,380	50	+16.0%	Elevated
Mount Holly	1	$1,397	50	+13.4%	Elevated
Shelby	2	$1,313	50	+13.7%	Elevated
Salisbury	3	$1,463	50	+14.2%	Elevated
Tarboro	1	$1,608	50	+14.3%	Elevated
Cherryville	1	$1,349	50	+13.9%	Elevated
Andrews	2	$1,551	50	+11.0%	Elevated
Dallas	1	$1,272	50	+14.9%	Elevated
Gastonia	3	$1,362	50	+14.4%	Elevated
Trinity	1	$1,258	50	+12.8%	Elevated
Hildebran	1	$1,064	50	+13.8%	Elevated
Marion	1	$1,196	50	+15.0%	Elevated
Gaston	2	$1,763	50	+13.6%	Elevated
Spencer	1	$1,387	50	+13.0%	Elevated
Stony Point	1	$1,329	50	+17.2%	Elevated
Edenton	2	$1,559	50	+11.5%	Elevated
Lenoir	1	$1,206	50	+15.5%	Elevated
Seagrove	1	$1,254	50	+13.7%	Elevated
Rutherfordton	1	$1,395	50	+10.8%	Elevated
Maiden	1	$1,193	50	+14.4%	Elevated
Bessemer City	1	$1,255	50	+15.1%	Elevated
Lake Junaluska	2	$1,549	49	+13.5%	Elevated
Rockwell	1	$1,377	49	+13.9%	Elevated
Williamston	1	$1,729	49	+13.3%	Elevated
Milton	3	$1,567	49	+10.3%	Elevated
Eden	1	$1,252	49	+16.4%	Elevated
Connelly Springs	1	$1,137	49	+14.4%	Elevated
Franklinville	1	$1,238	49	+15.4%	Elevated
Casar	1	$1,109	49	+8.7%	Elevated
Brevard	3	$1,494	49	+14.8%	Elevated
Albemarle	1	$1,354	49	+13.6%	Elevated
Yanceyville	3	$1,374	49	+10.8%	Elevated
Grandy	3	$1,253	49	+13.7%	Elevated
Asheboro	2	$1,239	49	+14.3%	Elevated
Sunbury	4	$1,593	49	+11.0%	Elevated
Walstonburg	1	$1,666	49	+13.6%	Elevated
Lewisville	1	$1,644	49	+14.1%	Elevated
Dover	1	$1,325	49	+14.7%	Elevated
Coinjock	5	$1,824	49	+13.1%	Elevated
Locust	1	$1,263	49	+12.5%	Elevated
Kings Mountain	1	$1,258	49	+12.9%	Elevated
Murfreesboro	1	$1,586	49	+12.6%	Elevated
Millers Creek	2	$1,293	49	+12.7%	Elevated
Mooresville	1	$1,500	49	+15.4%	Elevated
Concord	2	$1,518	49	+13.3%	Elevated
Granite Falls	1	$1,226	49	+15.2%	Elevated
Spindale	1	$1,179	49	+15.0%	Elevated
Statesville	2	$1,380	49	+15.9%	Elevated
Teachey	1	$1,887	49	+16.7%	Elevated
Denver	1	$1,638	49	+11.7%	Elevated
Lowesville	1	$1,449	49	+14.2%	Elevated
Germanton	1	$1,299	48	+12.6%	Elevated
Dobson	2	$1,293	48	+11.3%	Elevated
Morganton	1	$1,262	48	+15.4%	Elevated
Macon	1	$1,690	48	+14.7%	Elevated
Troutman	1	$1,439	48	+11.9%	Elevated
Haw River	1	$1,305	48	+16.2%	Elevated
Kittrell	1	$1,358	48	+8.0%	Elevated
Moravian Falls	2	$1,422	48	+14.0%	Elevated
Iron Station	1	$1,479	48	+12.5%	Elevated
Ocracoke	1	$1,551	48	+8.0%	Elevated
Oxford	1	$1,416	48	+9.7%	Elevated
Conover	1	$1,183	48	+14.8%	Elevated
Monroe	1	$1,481	48	+14.3%	Elevated
St. Helena	1	$1,275	48	+15.1%	Elevated
Fountain	1	$1,650	48	+10.4%	Elevated
China Grove	1	$1,358	48	+13.7%	Elevated
Winston-Salem	8	$1,460	48	+15.0%	Elevated
Cooleemee	2	$1,336	48	+16.4%	Elevated
Robbins	2	$1,248	47	+12.4%	Elevated
Elizabeth City	1	$1,397	47	+13.8%	Elevated
Black Mountain	1	$1,474	47	+14.7%	Elevated
Marshville	1	$1,497	47	+14.6%	Elevated
Butner	2	$1,407	47	+14.0%	Elevated
Star	1	$1,461	47	+13.8%	Elevated
Denton	1	$1,346	47	+12.6%	Elevated
Cliffside	1	$1,194	47	+8.4%	Elevated
Ruffin	3	$1,222	47	+9.1%	Elevated
Lexington	1	$1,315	47	+14.6%	Elevated
Kannapolis	2	$1,333	47	+14.3%	Elevated
Lansing	4	$1,404	47	+13.4%	Elevated
Richlands	1	$1,361	47	+15.5%	Elevated
Mars Hill	1	$1,605	47	+12.6%	Elevated
Brices Creek	1	$1,455	47	+11.0%	Elevated
Valdese	1	$1,160	47	+15.4%	Elevated
Plymouth	1	$1,326	47	+14.1%	Elevated
Cherokee	2	$1,329	47	+14.5%	Elevated
Oak City	1	$1,810	46	+17.2%	Elevated
Biscoe	1	$1,302	46	+11.8%	Elevated
Burlington	2	$1,285	46	+14.6%	Elevated
Grover	1	$1,152	46	+10.7%	Elevated
Thomasville	1	$1,260	46	+14.0%	Elevated
Hays	3	$1,311	46	+13.5%	Elevated
Bryson City	2	$1,515	46	+10.9%	Elevated
Newland	1	$1,271	46	+13.6%	Elevated
Drexel	1	$1,040	46	+14.4%	Elevated
East Flat Rock	2	$1,399	46	+15.5%	Elevated
Harmony	2	$1,365	46	+16.9%	Elevated
Wilkesboro	2	$1,468	46	+14.5%	Elevated
Tyro	2	$1,282	46	+14.4%	Elevated
Wingate	1	$1,372	46	+15.0%	Elevated
Camden	1	$1,362	46	+12.8%	Elevated
West Jefferson	2	$1,517	46	+12.9%	Elevated
Graham	2	$1,257	46	+14.3%	Elevated
Burnsville	2	$1,357	46	+12.6%	Elevated
Vanceboro	1	$1,262	46	+15.2%	Elevated
Roper	1	$1,416	46	+9.9%	Elevated
Oak Island	2	$1,567	46	+18.4%	Elevated
Swannanoa	1	$1,265	46	+14.8%	Elevated
Rural Hall	1	$1,280	46	+14.8%	Elevated
Unionville	1	$1,422	45	+13.7%	Elevated
Elon	1	$1,361	45	+13.0%	Elevated
Avon	1	$1,515	45	+27.2%	Elevated
Peachland	1	$1,701	45	+12.6%	Elevated
Hillsborough	2	$1,507	45	+11.8%	Elevated
Madison	1	$1,252	45	+13.5%	Elevated
Walkertown	2	$1,348	45	+14.0%	Elevated
Crouse	1	$1,349	45	+15.6%	Elevated
Cypress Landing	2	$1,558	45	+9.8%	Elevated
Pinnacle	2	$1,260	45	+10.3%	Elevated
Mount Airy	1	$1,189	45	+13.8%	Elevated
Roxboro	2	$1,355	45	+13.2%	Elevated
Rocky Point	1	$1,178	45	+19.7%	Elevated
Reidsville	1	$1,203	45	+12.4%	Elevated
Stem	1	$1,324	45	+10.7%	Elevated
Bakersville	1	$1,311	45	+13.8%	Elevated
Lasker	1	$1,574	44	+15.5%	Elevated
Havelock	1	$1,435	44	+13.8%	Elevated
Pilot Mountain	2	$1,269	44	+11.6%	Elevated
Wilmington	5	$1,288	44	+18.3%	Elevated
Walnut Cove	2	$1,309	44	+12.7%	Elevated
Clemmons	1	$1,519	44	+13.7%	Elevated
Skippers Corner	1	$1,116	44	+19.4%	Elevated
North Wilkesboro	1	$1,180	44	+14.2%	Elevated
Stoneville	1	$1,244	44	+13.7%	Elevated
King	1	$1,202	43	+14.0%	Elevated
Minnesott Beach	1	$1,285	43	+15.4%	Elevated
Trenton	1	$1,358	43	+11.1%	Elevated
Glen Alpine	1	$1,154	43	+18.6%	Elevated
Sylva	1	$1,440	43	+15.3%	Elevated
Kernersville	1	$1,355	43	+14.1%	Elevated
Rutherford College	1	$991	43	+12.1%	Elevated
Jonesville	2	$1,111	43	+10.4%	Elevated
Rougemont	2	$1,447	43	+11.0%	Elevated
Castalia	1	$1,394	43	+8.9%	Elevated
Lincolnton	1	$1,301	43	+14.2%	Elevated
Tobaccoville	1	$1,289	43	+12.1%	Elevated
Bethlehem	1	$1,247	42	+15.3%	Elevated
Belwood	2	$1,234	42	+11.7%	Elevated
Washington	1	$1,312	42	+10.9%	Elevated
Pinetown	1	$1,502	42	+9.4%	Elevated
Boiling Spring Lakes	1	$2,011	42	+26.6%	Elevated
Cove City	1	$1,052	42	+13.0%	Elevated
Danbury	3	$1,189	42	+7.9%	Elevated
New Bern	3	$1,307	42	+10.9%	Elevated
Mayodan	2	$1,117	42	+10.3%	Elevated
Richfield	1	$1,316	41	+8.0%	Elevated
Shallotte	2	$1,185	41	+15.7%	Elevated
Mocksville	1	$1,317	41	+13.5%	Elevated
Hampstead	2	$1,359	41	+15.8%	Elevated
Advance	1	$1,544	41	+12.6%	Elevated
Boonville	1	$1,087	40	+8.5%	Moderate
Ocean Isle Beach	1	$1,593	40	+21.8%	Moderate
Watha	1	$1,182	40	+7.9%	Moderate
Carolina Shores	1	$1,529	40	+26.3%	Moderate
Kure Beach	1	$1,395	40	+16.9%	Moderate
Troy	1	$1,525	40	+13.6%	Moderate
Murraysville	1	$1,451	40	+21.8%	Moderate
Smithtown	1	$1,181	40	+7.9%	Moderate
Robbinsville	1	$1,468	40	+14.5%	Moderate
Candor	1	$1,441	40	+13.2%	Moderate
Atkinson	2	$1,373	40	+11.1%	Moderate
Murphy	1	$1,351	39	+12.5%	Moderate
Marble	3	$1,556	39	+14.7%	Moderate
Leland	2	$1,468	39	+24.1%	Moderate
Yadkinville	1	$1,194	39	+10.4%	Moderate
Holden Beach	1	$1,271	39	+18.2%	Moderate
Jacksonville	3	$1,161	39	+12.5%	Moderate
Bayview	1	$1,418	39	+10.9%	Moderate
Sunset Beach	1	$1,426	38	+19.3%	Moderate
Ronda	3	$1,239	38	+11.6%	Moderate
Atlantic Beach	1	$1,349	38	+12.3%	Moderate
Bayboro	1	$962	37	+7.9%	Moderate
Hiddenite	1	$1,190	37	+16.5%	Moderate
Carolina Beach	1	$1,160	36	+16.1%	Moderate
Atlantic	1	$895	36	+15.0%	Moderate
Hayesville	1	$1,690	36	+13.1%	Moderate
Franklin	2	$1,306	36	+14.0%	Moderate
Maysville	1	$1,059	36	+12.3%	Moderate
Bennett	1	$1,164	35	+14.1%	Moderate
Oriental	1	$1,230	34	+16.3%	Moderate
Harkers Island	1	$907	34	+15.3%	Moderate
Beaufort	1	$1,059	34	+10.8%	Moderate
Newport	1	$1,008	33	+12.6%	Moderate
Emerald Isle	1	$1,203	33	+12.7%	Moderate
Grantsboro	1	$915	33	+8.0%	Moderate
Morehead City	1	$1,137	33	+18.0%	Moderate
Creswell	1	$1,106	33	+10.5%	Moderate
Piney Green	1	$987	33	+9.3%	Moderate
Stonewall	1	$971	31	+7.9%	Moderate
Peletier	2	$1,133	31	+11.5%	Moderate
Marshallberg	1	$822	30	+8.0%	Moderate
Columbia	1	$1,012	29	+10.1%	Moderate
Buxton	1	$1,191	29	+15.8%	Moderate
Como	1	$1,477	28	+8.0%	Moderate
Gloucester	1	$954	26	+8.0%	Moderate
North Topsail Beach	1	$1,079	25	+12.0%	Moderate
Davis	1	$841	24	+8.0%	Moderate
Surf City	1	$1,242	21	+12.3%	Moderate

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28460North Topsail Beach

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.