Raleigh, NC

15 ZIP codes — North Carolina

Compare quotes in Raleigh, NC

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Avg Premium (2025 Est.)

$2,056

+17.4% from 2022

Stress Score

65/100

Nonrenewal Rate

2.61%

Insurance/Income

1.9%

ZIP Codes in Raleigh

ZIP	Avg Premium	Stress Score	Risk
27607	$1,900	70	High
27609	$1,780	70	High
27614	$2,240	70	High
27608	$2,335	67	High
27615	$1,823	67	High
27606	$1,628	66	High
27612	$1,753	66	High
27605	$2,356	65	High
27601	$1,457	64	High
27613	$1,783	64	High
27617	$1,661	64	High
27604	$1,376	61	High
27603	$1,459	60	Elevated
27610	$1,362	60	Elevated
27616	$1,364	59	Elevated

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.