Protection Atlas · State Profile
North Carolina Protection Profile
North Carolina ranks #27 of 51 on the Atlas composite. State cost index runs 0.80× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 64/100.
Resilience
76
/ 100
Financial Safety
94
/ 100
Protection
85
/ 100
Preparedness
62
/ 100
Retirement
75
/ 100
Business
87
/ 100
State profile
- Auto avg: $1,296 · Home avg: $1,494 · Term avg: $238
- Min liability: 30/60/25 · No-fault: No · UM required: Yes
- SR-22 fee: $50 · Cost index: 0.80 · Friendliness: 100/100
Protection challenges
- Named-storm and hurricane deductibles materially shift HO economics
Major risk factors
- Hurricane and tropical-storm exposure
- Storm-surge flood exposure inland of the surge zone
Family security insights
In North Carolina, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.80× the national midpoint. Term-life pricing tracks a 0.99× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in North Carolina is supported by a consumer-protection score of 64/100 and a friendliness composite of 100/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
North Carolina households face hurricane season as the dominant preparedness event. Recovery liquidity, ALE adequacy, and documented evacuation routes drive preparedness outcomes.