Crime in North Carolina

FBI UCR and NIBRS — what crime statistics actually show (and don't)

The FBI's Uniform Crime Reporting (UCR) program and its successor NIBRS aggregate crime data from local agencies. Plain-English guide to what gets reported, what doesn't, and how to read the numbers.

Reading FBI UCR national crime trends — what 2020–2025 actually shows

Plain-English guide to recent US crime data: the 2020 spike, the 2021–2024 normalization, and how the UCR-to-NIBRS transition complicates year-over-year reads.

Data staleness — when to re-check zipradar before making a decision

Federal data refreshes on different cadences. Here's when zipradar's snapshot is fresh enough for your decision and when you need to verify with the primary source.

Homeowners insurance by peril — what's covered, excluded, and surprise gaps in 2026

Standard HO-3 policies cover fire, theft, and most weather — but exclude flood, earthquake, sinkhole, and back-of-policy surprises. Plain-English guide to peril-by-peril coverage.