Insurance Rating

In May 2021, New Hanover County received official notification from the North Carolina Department of Insurance Office of the State Fire Marshal of an improvement in the fire district’s response rating. The Southern New Hanover County Fire District and the Northern Fire District received a Class 2 rating. Both ratings become effective on August 1, 2021, and the official notification letters are below:

These improved ratings show the department is well equipped to respond to fires in its district, and will also lower homeowners insurance rates in the unincorporated county.

Click on the map below to view your property address’ fire rating, and view frequently asked questions, including how to ensure your insurance premium is updated, below.


Full size map can be found here:

Insurance Rating Frequently Asked Questions

In the Northern and the Southern district the PPC will be a 2.

The new rating will take effect August 1, 2021.

We would strongly encourage you to contact your insurance agent to inquire of any potential savings.

The NC Department of Insurance Office of the State Fire Marshal has already advised the NC Rate Bureau, which is in charge of insurance rates on dwellings, of this rate change; but if you need any documentation to provide to your insurance provider, the fire district rating letters are below:

You may contact the North Carolina Department of Insurance at 1-800-546-5664 or 919-807-6750.

The improved ratings come after a routine inspection was conducted in February 2021 of New Hanover County Fire Rescue by officials with the Department of Insurance Office of State Fire Marshal (OSFM), as part of a requirement of the North Carolina Response Rating System (NCRRS). Among other things, the routine inspections look for proper staffing levels, sufficient equipment, proper maintenance of equipment, communications capabilities, and availability of a water source.

The last time the county received a new rating was after its 2012 inspection, when NHCFR received a Class 4 rating.

You may call New Hanover County Fire Rescue at 910-798-7420.

Fire Rescue: 2100 Capital Drive, Wilmington 28405 • Phone 910-798-7420 • Fax 910-798-7052
Mailing address: 230 Government Center Drive, Suite 130, Wilmington 28403
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