Understand your county’s results
Policy share and premium increase measure different things.
Share of policies with CTR
Out of every 100 home policies written in the territory that year, how many were charged more than the state-approved rate. A high share means the surcharge is the norm where you live, not a mark against your home.
Average premium increase
On the policies that did carry a surcharge, how much higher the charged premium was than the approved premium, as a percentage and in dollars per policy. It says how big the surcharge is, not how many people pay it.
Pick your county above
We will show you how common the consent-to-rate surcharge is where you live, how big it usually is, and what that means for your own renewal. The matching territory is highlighted in the table further down.
How to check your own renewal in two minutes
You do not need this page to tell you whether you are paying a consent-to-rate surcharge. Your renewal says so.
- Find the two premiums. On a North Carolina home renewal with consent to rate, the declarations page (or a page right before it) shows the premium at the approved rate and the premium you are actually being charged, with a consent-to-rate notice. If there is only one premium and no notice, you are at the approved rate.
- Subtract. The difference is your surcharge. Compare it with the average for your territory above. Bigger than average means it is worth a second look; average or below is still worth a quote at renewal time.
- Send it to us. Upload or text a photo of the renewal. We quote the same house with every carrier we represent, including one that does not use consent-to-rate pricing, and show you the numbers side by side. Nothing changes unless you say so.
How it changed, 2022–2025
The surcharge went from a minority of North Carolina home policies to a clear majority in three years, and the average amount above the approved premium rose every year.
| Year | Policies written | With CTR | Share | Avg. increase | Avg. $ per CTR policy |
|---|---|---|---|---|---|
| 2022 | 2,531,032 | 1,019,184 | 40.3% | 30.9% | $364 |
| 2023 | 2,584,738 | 1,152,475 | 44.6% | 33.3% | $447 |
| 2024 | 2,565,977 | 1,427,629 | 55.6% | 39.2% | $553 |
| 2025 | 2,414,544 | 1,518,921 | 62.9% | 48.1% | $724 |
Share of NC home policies with consent to rate
Each year is the written period January 1 to December 31, reported to NCDOI the following spring.
All 29 territories
Ranked by 2025 share. Click a column heading to sort. Counties are listed under each territory; five coastal counties and the Outer Banks are split by ZIP code.
| Territory & counties | 2025 share with CTR | 2022 share | Change | 2025 avg. increase | 2025 avg. $ per CTR policy | 2025 policies |
|---|---|---|---|---|---|---|
| 170 Gates, Hertford | 72.6% | 43.5% | +29.1 pts | 46.4% | $662 | 4,930 |
| 330 Yadkin | 71.8% | 35.9% | +35.9 pts | 41.5% | $467 | 8,312 |
| 260 Granville, Person, Vance, Warren | 70.2% | 45.2% | +25.0 pts | 50.9% | $643 | 33,725 |
| 340 Alexander, Iredell, Mecklenburg, Stanly, Union, Wilkes | 69.6% | 49.1% | +20.5 pts | 55.5% | $839 | 376,095 |
| 380 Haywood, Madison, Swain, Transylvania | 69.0% | 39.5% | +29.5 pts | 42.5% | $588 | 42,545 |
| 310 Alamance, Caswell, Davie, Forsyth, Guilford, Rockingham, Stokes, Surry | 68.7% | 43.7% | +25.0 pts | 50.3% | $629 | 304,583 |
| 370 Avery, Mitchell | 68.6% | 31.2% | +37.4 pts | 39.5% | $602 | 12,711 |
| 360 Alleghany, Ashe, Buncombe, Burke, Caldwell, Catawba, Henderson, McDowell, Polk, Watauga, Yancey | 68.1% | 39.9% | +28.2 pts | 46.3% | $596 | 233,711 |
| 220 Cumberland, Sampson | 67.2% | 50.6% | +16.6 pts | 55.7% | $979 | 69,172 |
| 390 Cherokee, Clay, Graham, Jackson, Macon | 65.2% | 35.3% | +29.9 pts | 40.2% | $600 | 47,983 |
| 270 Durham, Wake | 65.1% | 43.7% | +21.4 pts | 50.9% | $845 | 347,934 |
| 290 Lee, Moore | 65.1% | 37.2% | +27.9 pts | 50.4% | $803 | 43,905 |
| 350 Cleveland, Gaston, Lincoln, Rutherford | 64.9% | 38.6% | +26.3 pts | 49.8% | $637 | 119,912 |
| 280 Chatham, Orange | 64.8% | 40.4% | +24.4 pts | 51.2% | $825 | 54,810 |
| 300 Anson, Montgomery, Richmond | 64.0% | 35.9% | +28.1 pts | 43.7% | $631 | 16,156 |
| 190 Duplin, Lenoir | 63.8% | 39.9% | +23.9 pts | 39.4% | $715 | 14,892 |
| 200 Columbus | 63.7% | 37.7% | +26.0 pts | 37.7% | $740 | 7,043 |
| 180 Bertie, Greene, Martin, Pitt, Wayne | 62.6% | 43.5% | +19.1 pts | 45.1% | $756 | 60,433 |
| 230 Bladen, Robeson | 62.2% | 40.4% | +21.8 pts | 40.7% | $677 | 17,325 |
| 320 Cabarrus, Davidson, Randolph, Rowan | 61.2% | 34.8% | +26.4 pts | 47.5% | $635 | 164,862 |
| 210 Edgecombe, Wilson | 60.4% | 38.5% | +21.9 pts | 45.1% | $646 | 23,429 |
| 250 Harnett, Hoke, Scotland | 59.7% | 40.1% | +19.6 pts | 51.8% | $851 | 48,468 |
| 240 Franklin, Halifax, Johnston, Nash, Northampton | 58.4% | 37.0% | +21.4 pts | 48.8% | $734 | 112,505 |
| 120 Brunswick, Carteret, New Hanover, Onslow, Pender | 55.1% | 23.1% | +32.0 pts | 16.0% | $604 | 18,765 |
| 110 Currituck (beach areas), Dare (beach areas), Hyde (beach areas) | 52.8% | 38.2% | +14.6 pts | 16.4% | $727 | 11,132 |
| 160 Brunswick, Carteret, New Hanover, Onslow, Pender | 35.1% | 23.2% | +11.9 pts | 36.7% | $538 | 54,270 |
| 150 Beaufort, Camden, Chowan, Craven, Jones, Pasquotank, Perquimans, Tyrrell, Washington | 33.3% | 25.8% | +7.5 pts | 44.9% | $681 | 50,939 |
| 140 Brunswick, Carteret, New Hanover, Onslow, Pender | 32.3% | 20.8% | +11.5 pts | 28.0% | $605 | 100,564 |
| 130 Currituck, Dare, Hyde, Pamlico | 30.8% | 15.2% | +15.6 pts | 36.3% | $711 | 13,432 |
Free to reuse with attribution to the NC Department of Insurance (data) and Bill Layne Insurance Agency (compilation), CC BY 4.0.
Words used on this page
Plain-English versions of the terms in the state filings.
Method and sources
N.C. Gen. Stat. § 58-36-30(b2) requires every Rate Bureau member writing homeowners insurance to report, for each territory, the policies written, the premium written, the number of consent-to-rate policies and their manual and consented premiums. The Commissioner publishes only the aggregate across all insurers. We transcribed the four published summaries, recomputed every percentage and average from the reported totals as a check (two territory-year percentages differ from NCDOI’s rounding by 0.1 point; we show NCDOI’s figures), and added the average increase percentage, which NCDOI does not publish. County-to-territory assignments follow the NC Rate Bureau’s revised homeowners territory definitions effective June 1, 2015.
- NCDOI Aggregate CTR 58-36-30(b2) 2022 Data Summary (written period Jan 1 – Dec 31, 2022)
- NCDOI Aggregate CTR 58-36-30(b2) 2023 Data Summary (written period Jan 1 – Dec 31, 2023)
- NCDOI Aggregate CTR 58-36-30(b2) 2024 Data Summary (written period Jan 1 – Dec 31, 2024)
- NCDOI Aggregate CTR 58-36-30(b2) 2025 Data Summary (written period Jan 1 – Dec 31, 2025)
- N.C. Gen. Stat. § 58-36-30, consent to rate and the (b2) data-publication requirement
- NC Rate Bureau Circular P-14-8, revised homeowners territory definitions (effective June 1, 2015)
- NCDOI Bulletin 18-B-08, the 2019 change to the consent-to-rate disclosure
Compiled by Bill Layne, NPN #6608086, Bill Layne Insurance Agency (NC Agency License #15569731), Elkin, NC. Published October 8, 2026. Updated each summer when NCDOI posts the next summary.