Bill Layne Insurance 📞 336-835-1993 Home > Blog > NC Insurance > Fire Hydrant Savings 2026 🛡️ NCDOI Verified 📍 Elkin, NC Expert How much does a fire hydrant within 1,000 feet save on NC home insurance in 2026? By Bill Layne | October 15, 2026 In 2026, a fire hydrant within 1,000 feet of your North Carolina home typically saves you between 18% and 42% on your annual homeowners insurance premium. This proximity allows your property to be classified as "Protected" (ISO Class 1-8) rather than "Unprotected" (Class 10), significantly lowering the risk profile for local carriers in Surry, Yadkin, and Wilkes counties. 🚀 In a Hurry? Here's the Scoop: The 1,000-Foot Rule: Hydrants beyond this distance often trigger "Class 10" rates (the m...