If you re confused about insurance rates in North Carolina, join the crowd. Russell Dybvik of Wilmington is. He saw his homeowner s insurance premium slip to $403 when his policy renewed May 1, down from $425 last year. But his wind insurance rose to $2,800 from $1,983.f you re confused about insurance rates in North Carolina, join the crowd. Russell Dybvik of Wilmington is. He saw his homeowner s insurance premium slip to $403 when his policy renewed May 1, down from $425 last year. But his wind insurance rose to $2,800 from $1,983.