Home Insurance in North Carolina — Average Cost 2026
Average home insurance in North Carolina: $1,720/year ($143/month). North Carolina ranks #32 out of 51 states — above the national average.
Average annual
$1,720
Average monthly
$143
National rank
#32
of 51 states
vs national avg
+20.4%
North Carolina vs national average
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Why is home insurance expensive in North Carolina?
North Carolina faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 20% above the national average in North Carolina.
Homeowners in North Carolina should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.