Insurance in Wake County, NC
Home, auto, flood and business insurance for Raleigh, Cary, Apex, Wake Forest and the rest of Wake County.
Wake County gained 106,396 residents from 2020 to 2024, the largest gain of any North Carolina county (NC OSBM). Raleigh, the state capital, passed 500,000 people in 2024 (NC OSBM), and Cary, Apex, Wake Forest, Holly Springs, Garner and Fuquay-Varina round out the county's largest towns.
Wake is inland, outside the Beach Plan counties (NCIUA), but it still floods. The City of Raleigh runs a flood early warning gauge network on Crabtree Creek and Walnut Creek (City of Raleigh), and Hurricane Fran did more than $900 million in damage here in 1996 (National Weather Service).
Towns we serve in Wake County
Raleigh, Cary, Apex, Wake Forest, Holly Springs, Garner, Fuquay-Varina. Our advisors write home, auto, flood and business insurance in every one of them.
What makes Wake County different for insurance
- Hurricane Fran in September 1996 caused more than $900 million in damage to homes and businesses in Wake County, Raleigh and vicinity (National Weather Service).
- The City of Raleigh is a Class 5 community in FEMA's Community Rating System, worth 25% off eligible NFIP policies, and the Town of Cary is Class 7 for 15% (FEMA).
- Unincorporated Wake County is listed at CRS Class 10, which carries no discount; Apex, Wake Forest, Holly Springs, Garner and Fuquay-Varina are not on the list (FEMA).
- Wake County notes that a lender may require flood insurance for homes in a FEMA flood zone or with a history of flooding (Wake County).
- NCDOT counted 33,284 reportable crashes in Wake County in 2024, including 87 fatal crashes (NCDOT).
- Raleigh gauges on Crabtree Creek at Glenwood Avenue and Capital Boulevard and Walnut Creek at Rose Lane feed the city's flood early warning system (City of Raleigh).
Home, auto, flood and life in Wake County at a glance
Curious what coverage costs?
See how home and auto premiums vary by home value, coverage and location with our cost tools. For a price on your own home and cars, get a quote and an advisor will shop it for you.
Home insurance
Wake County home insurance is driven by rebuilding cost in a fast-growing market, roof age, trees and severe thunderstorm wind and hail. Wind is usually part of the regular homeowners policy here because Wake is not a Beach Plan county (NCIUA). If your home is new construction in Apex, Holly Springs or Fuquay-Varina, we make sure the rebuilding cost and roof details on your quote are right.
Home insurance in North Carolina
Auto insurance
Wake recorded 33,284 reportable crashes in 2024 (NCDOT), and Wake drivers share I-40, I-440 and the 540 loop. Under the Safe Driver Incentive Plan, a one-point ticket raises the rate 40% (NCDOI). The minimum is 50/100/50 for policies written or renewed on or after July 1, 2025 (NCDOI).
Auto insurance in North Carolina
Flood insurance
Homeowners policies do not cover flood (NCDOI). Your NFIP discount depends on where you live: 25% in Raleigh, 15% in Cary and none in most of the rest of the county (FEMA).
Flood insurance in North Carolina
Life insurance
Life insurance replaces your income, pays off a mortgage or covers final expenses for the people who count on you. We write term, whole and other fixed life insurance for families and business owners, and a licensed advisor compares insurance companies for you.
Business insurance in Wake County
Raleigh is the state capital, and Wake's growth keeps builders and trades busy (NC OSBM). We insure contractors, electricians, plumbers, restaurants, trucking firms and associations across the county.
Commercial insurance we place in Wake County
Business owners policies (BOP) and general liability
Customer injuries and property damage claims. A BOP packages liability with property for eligible small businesses.
Get Quote NowCommercial property
Your building, equipment and inventory, including wind, named storm and ordinance or law coverage.
Get Quote NowWorkers' compensation
Coverage for employees hurt on the job, plus help with certificates and the year-end audit.
Get Quote NowEmployer's liability
Lawsuits over employee injuries that fall outside workers' compensation. It is usually part of the workers' compensation policy.
Get Quote NowProfessional liability (E&O)
Claims of errors or negligence in the advice or work you provide.
Get Quote NowProfessional offices
Dentists, lawyers, accountants and medical offices: office property, general liability, professional liability and workers' compensation together.
Get Quote NowShopping centers and strip malls
Retail buildings with several tenants: the buildings, parking lot liability, lost rent, wind and flood.
Get Quote NowLessor's risk only (LRO)
For owners who lease their building to a tenant: the building, lost rent and the owner's liability.
Get Quote NowTrucking
Owner-operators and fleets: commercial auto, cargo, physical damage and federal filings.
Get Quote NowContractors
General contractors and trades: general liability, workers' compensation, tools and equipment, and builders risk.
Get Quote NowRestaurants and bars
General liability, liquor liability, property, equipment and workers' compensation.
Get Quote NowHOAs and condo associations
Master policies, common areas, wind, flood and directors and officers liability.
Get Quote NowYour Local Office
Call our main line: (910) 791-1011
Our advisors serve Wake County by phone and online, and our nearest office is in Charlotte.
Charlotte Office
101 S. Tryon Street, Suite 2700, Charlotte, NC 28280
Phone: (910) 791-1011 (main line)
Call our main line and we will connect you with your advisor.
Get directions
Common Questions
How much is car insurance in Wake County?
It depends on your drivers, vehicles, driving record and the coverage you choose. Our auto insurance cost tool shows how premiums vary by coverage and location. For a price on your own cars, request a quote and an advisor will shop more than 100 insurance companies for you.
What drives home insurance cost in Raleigh and Cary?
Rebuilding cost, roof age, the home's claims history and severe thunderstorm wind and hail. Wake is not a Beach Plan county, so wind is usually part of the regular homeowners policy. We compare more than 100 insurance companies to find the right fit.
Do Raleigh and Cary get a flood insurance discount?
Yes. The City of Raleigh is CRS Class 5, worth 25% off eligible NFIP policies, and the Town of Cary is Class 7 for 15%. Apex, Wake Forest, Holly Springs, Garner and Fuquay-Varina are not on the October 2026 list.
Does Crabtree Creek flooding affect insurance?
Homes near Crabtree Creek and Walnut Creek face flood risk, and Raleigh monitors both with flood warning gauges. Homeowners policies do not cover flood. A lender may require flood insurance for homes in a FEMA flood zone.
Do you serve Wake County?
Yes. Our advisors serve Wake County by phone and online through our main line, (910) 791-1011, and our Charlotte office is on South Tryon Street.
Sizemore Insurance is an independent insurance company founded in North Carolina in 1977, with eight offices from Charlotte to the coast. Tell us about your home, your cars and your business, and a licensed advisor will compare more than 100 insurance companies to find the coverage that fits. Insurance made just for you.
Sources: NC Office of State Budget and Management, county population growth 2020 to 2024; NC Office of State Budget and Management, "Raleigh surpassed 500,000 people in 2024"; NCJUA and NCIUA, coverage and eligibility; City of Raleigh, stream gauges; NOAA National Weather Service Raleigh, Hurricane Fran; FEMA, CRS eligible communities, effective October 1, 2026; Wake County, Floodplain Management; NCDOT, 2024 Wake County crash profile; NC Department of Insurance, Safe Driver Incentive Plan; NC Department of Insurance, auto rating changes effective July 1, 2025; NC Department of Insurance, Flood Insurance. Typical (median) premiums: Sizemore Insurance clients' in-force policies as of October 2026, not a survey or a quote.
Forms, exclusions, endorsements, and availability vary by insurance company. This page is general information, not a policy or legal advice. Review your own policy or talk to your advisor.
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