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North Carolina Home Insurance Estimator โ€” Updated 2026

State abbreviation: NC

Homeowners insurance in North Carolina averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $365,000, you should budget 0.39% of its value annually for insurance. Insurance costs here are near or below the national average.

North Carolina Financial Data (2026)

State Tax Rate
4.99%
Property Tax Rate
0.84%
Median Home Price
$365,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
98
State Abbreviation
NC