Affordable Home Insurance in North Carolina
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What drives home insurance rates in North Carolina
Average homeowners premium, 2023
$1,852
The average homeowners policy in North Carolina cost $1,852 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
57.8¢
Home insurers in North Carolina paid 57.8 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
506
NOAA logged 49 tornado, 90 large-hail and 367 flash-flood event reports in North Carolina in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#6
FEMA ranks North Carolina #6 of 51 for expected annual loss from natural hazards; flood accounts for 47% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in North Carolina
The ten insurer groups that wrote the most home premium in North Carolina in 2025, with their share of the state total of $5.5 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 15.33% | $843 million |
| 2 | North Carolina Farm Bureau Group | 13.56% | $746 million |
| 3 | United Services Automobile Association Group | 10.85% | $597 million |
| 4 | Allstate Insurance Group | 7.13% | $392 million |
| 5 | Erie Insurance Group | 7% | $385 million |
| 6 | Auto Owners Group | 5.05% | $278 million |
| 7 | Nationwide Corp Group | 4.71% | $259 million |
| 8 | Travelers Group | 4.52% | $248 million |
| 9 | American Family Insurance Group | 3.34% | $183 million |
| 10 | Liberty Mutual Group | 3.31% | $182 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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