Northeast Albemarle Sound Region PUMA, NC

Public Use Microdata Area (PUMA)

Add Comparison

2021 Population

115,550

0.957% 1-year decline

US Senator

Thom Tillis

Republican Party

US Senator

Ted Budd

Republican Party

2021 Median Age

0.922% 1-year decrease

2021 Poverty Rate

12.4%

6.23% 1-year increase

2021 Median Household Income

$61,637

9.53% 1-year growth

2021 Median Property Value

$198,000

5.77% 1-year growth

2021 Employed Population

48,968

0.983% 1-year decline

About

In 2021, Northeast Albemarle Sound Region PUMA, NC had a population of 116k people with a median age of 43 and a median household income of $61,637. Between 2020 and 2021 the population of Northeast Albemarle Sound Region PUMA, NC declined from 116,666 to 115,550, a −0.957% decrease and its median household income grew from $56,273 to $61,637, a 9.53% increase.

The 5 largest ethnic groups in Northeast Albemarle Sound Region PUMA, NC are White (Non-Hispanic) (67.3%), Black or African American (Non-Hispanic) (24.2%), Two+ (Non-Hispanic) (2.55%), White (Hispanic) (1.84%), and Two+ (Hispanic) (1.28%).

4.12% of the households in Northeast Albemarle Sound Region PUMA, NC reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

98.9% of the residents in Northeast Albemarle Sound Region PUMA, NC are U.S. citizens.

The largest universities in Northeast Albemarle Sound Region PUMA, NC are College of the Albemarle (612 degrees awarded in 2021), Elizabeth City State University (321 degrees), and Mid-Atlantic Christian University (64 degrees).

In 2021, the median property value in Northeast Albemarle Sound Region PUMA, NC was $198,000, and the homeownership rate was 73.2%.

Most people in Northeast Albemarle Sound Region PUMA, NC drove alone to work, and the average commute time was 32.6 minutes. The average car ownership in Northeast Albemarle Sound Region PUMA, NC was 2 cars per household.

Northeast Albemarle Sound Region PUMA, NC borders Halifax, Hertford, Northampton & Warren (East) Counties PUMA, NC, South & West Albemarle Sound & Northern Outer Banks Regions PUMA, NC, Isle of Wight, Southampton Counties, Suffolk & Franklin Cities PUMA, VA, Virginia Beach City (North) PUMA, VA, Virginia Beach City (South) PUMA, VA, and Chesapeake City (South & West) PUMA, VA.

United States North Carolina

Population & Diversity

Northeast Albemarle Sound Region PUMA, NC is home to a population of 116k people, from which 98.9% are citizens. As of 2021, 2.52% of Northeast Albemarle Sound Region PUMA, NC residents were born outside of the country (2.91k people).

In 2021, there were 2.78 times more White (Non-Hispanic) residents (77.8k people) in Northeast Albemarle Sound Region PUMA, NC than any other race or ethnicity. There were 28k Black or African American (Non-Hispanic) and 2.95k Two+ (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Northeast Albemarle Sound Region PUMA, NC are Spanish (2,735 households), German (223 households), and Japanese (220 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY

58,937

Women

51%

56,560

Men

49%

The resident population of United States in 2021 was 115,497 inhabitants, with 49% men, and 51% women.

The visualization shows the distribution of the residents by gender and age in the United States.

With the upper buttons you can add a filter by race.

Citizenship

98.9%

2021 Citizenship

98.9%

2020 Citizenship

As of 2021, 98.9% of Northeast Albemarle Sound Region PUMA, NC residents were US citizens, which is higher than the national average of 93.4%. In 2020, the percentage of US citizens in Northeast Albemarle Sound Region PUMA, NC was 98.9%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Northeast Albemarle Sound Region PUMA, NC compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Northeast Albemarle Sound Region PUMA, NC

White (Non-Hispanic)
77.8k ± 269
Black or African American (Non-Hispanic)
28k ± 485
Two+ (Non-Hispanic)
2.95k ± 546

4.44%

Hispanic Population

5.13k people

4.44% of the people in Northeast Albemarle Sound Region PUMA, NC are hispanic (5.13k people).

The following chart shows the 7 races represented in Northeast Albemarle Sound Region PUMA, NC as a share of the total population.

Global Diversity

Most Common Origin

Mexico
505 ± 551 people
Philippines
222 ± 365 people
Germany
153 ± 303 people

In 2021, the most common birthplace for the foreign-born residents of Northeast Albemarle Sound Region PUMA, NC was Mexico, the natal country of 505 Northeast Albemarle Sound Region PUMA, NC residents, followed by Philippines with 222 and Germany with 153.

Foreign-Born Population

2.52%

2021 Foreign-Born Population

2.91k people

2.42%

2020 Foreign-Born Population

2.83k people

As of 2021, 2.52% of Northeast Albemarle Sound Region PUMA, NC residents (2.91k people) were born outside of the United States, which is lower than the national average of 13.6%. In 2020, the percentage of foreign-born citizens in Northeast Albemarle Sound Region PUMA, NC was 2.42%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Northeast Albemarle Sound Region PUMA, NC compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
2,735 households (2.5%)
German
223 households (0.204%)
Japanese
220 households (0.201%)

4.12% of the households in Northeast Albemarle Sound Region PUMA, NC reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 21.7%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2021, the most common non-English language spoken in households in Northeast Albemarle Sound Region PUMA, NC was Spanish. 2.5% of the households in Northeast Albemarle Sound Region PUMA, NC reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Gulf War (2001-)
3,286 ± 516
Vietnam
2,906 ± 294
Gulf War (1990s)
2,431 ± 439

Northeast Albemarle Sound Region PUMA, NC has a large population of military personnel who served in Gulf War (2001-), 1.13 times greater than any other conflict.

Economy

The economy of Northeast Albemarle Sound Region PUMA, NC employs 49k people. The largest industries in Northeast Albemarle Sound Region PUMA, NC are Construction (3,901 people), Elementary & secondary schools (3,571 people), and Restaurants & Food Services (2,937 people), and the highest paying industries are Insurance carriers ($145,598), Medical equipment & supplies manufacturing ($101,479), and U. S. Armed Forces: Branch Not Specified ($92,712).

Males in Northeast Albemarle Sound Region PUMA, NC have an average income that is 1.35 times higher than the average income of females, which is $44,056. The income inequality in Northeast Albemarle Sound Region PUMA, NC (measured using the Gini index) is 0.395, which is lower than than the national average.

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

23,549

Women

47.6%

25,905

Men

52.4%

The workforce of Northeast Albemarle Sound Region PUMA, NC in 2020 was 49,454 people, with 47.6% woman, and 52.4% men.

The visualization shows the distribution of the workforce by gender and age in Northeast Albemarle Sound Region PUMA, NC.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

49k

2021 Value

−0.983%

1 Year decline

± −0.983%

From 2020 to 2021, employment in Northeast Albemarle Sound Region PUMA, NC declined at a rate of −0.983%, from 49.5k employees to 49k employees.

The most common job groups, by number of people living in Northeast Albemarle Sound Region PUMA, NC, are Elementary & middle school teachers (1,438 people), Other managers (1,400 people), and Cashiers (1,223 people). This chart illustrates the share breakdown of the primary jobs held by residents of Northeast Albemarle Sound Region PUMA, NC.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for false.

This chart shows weekly unemployment insurance claims in North Carolina (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

View Full Dashboard

Industries

Employment by Industries

49k

2021 Value

−0.983%

1 Year decline

± −0.983%

From 2020 to 2021, employment in Northeast Albemarle Sound Region PUMA, NC declined at a rate of −0.983%, from 49.5k employees to 49k employees.

The most common employment sectors for those who live in Northeast Albemarle Sound Region PUMA, NC, are Construction (3,901 people), Elementary & secondary schools (3,571 people), and Restaurants & Food Services (2,937 people). This chart shows the share breakdown of the primary industries for residents of Northeast Albemarle Sound Region PUMA, NC, though some of these residents may live in Northeast Albemarle Sound Region PUMA, NC and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$44,918

Median earning men ± $3,088

$32,616

Median earning women ± $1,463

The industries with the best median earnings for men in 2021 are Manufacturing ($61,875), Public Administration ($60,933), and Information ($59,047).

The industries with the best median earnings for women in 2021 are Finance & Insurance, & Real Estate & Rental & Leasing ($51,497), Public Administration ($41,219), and Transportation & Warehousing, & Utilities ($38,893).

Employment by Industry Sector

Data is only available at the state level. Showing data for false.

Y-Axis

2.75%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 155M people employed in North Carolina. This represents a 2.75% increase in employment when compared to February 2022.

The following chart shows monthly employment numbers for each industry sector in North Carolina.

View Full Dashboard

Domestic Trade

Domestic Production & Consumption

Domestic production and consumption consists of products and services shipped from North Carolina to other states, or from other states to North Carolina.

Top Domestic Production in Dollars

In 2020, the top outbound North Carolina product (by dollars) was Mixed freight with $53.7B, followed by Pharmaceuticals ($49.7B) and Machinery ($44.5B).

The following chart shows the share of these products in relation to all outbound North Carolina products.

Domestic Trade Growth

Showing data for North Carolina.

$462B

2020 Value in North Carolina

$926B

Projected 2050 Value in North Carolina

100% growth

In 2020, total outbound North Carolina trade was $462B. This is expected to increase 100% to $926B by 2050.

The following chart shows how the domestic outbound North Carolina trade is projected to change in comparison to its neighboring states.

Interstate Trade

Interstate trade consists of products and services shipped from North Carolina to other states, or from other states to North Carolina.

Most Common Trade Partners

South Carolina
$32.8B
Virginia
$26.1B
Georgia
$18.1B

In 2020, the top outbound North Carolina domestic partner for goods and services (by dollars) was South Carolina with $32.8B, followed by Virginia with $26.1B and Georgia and $18.1B.

The following map shows the amount of trade that North Carolina shares with each state (excluding itself).

Civics

In the 2020 presidential election, the popular vote in North Carolina went to Donald J. Trump with 49.9% of the vote. The runner-up was Joseph R Biden Jr. (48.6%), followed by Jo Jorgensen (0.881%).

Thom Tillis and Ted Budd are the senators currently representing the state of North Carolina. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

North Carolina is currently represented by 14 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Northeast Albemarle Sound Region PUMA, NC. Showing the available data for North Carolina.

2020 Election Results

Donald J. Trump (49.9%)
Republican Party
Joseph R Biden Jr. (48.6%)
Democratic Party
Jo Jorgensen (0.881%)
Libertarian Party

In the 2020 presidential election, the popular vote in North Carolina went to Donald J. Trump with 49.9% of the vote. The runner-up was Joseph R Biden Jr. (48.6%), followed by Jo Jorgensen (0.881%).

The following chart shows the popular vote results in North Carolina for each registered party from 1976 to 2020.

Senator Elections

US Senators from North Carolina

Senatorial voting results are only available at the state level. Showing data for North Carolina.

Thom Tillis

Senator from North Carolina

Assumed office on January 3, 2015

Ted Budd

Senator from North Carolina

Assumed office on January 3, 2023

Thom Tillis and Ted Budd are the senators currently representing North Carolina.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in North Carolina over time, excluding special elections, colored by their political party.

US Representative Elections

US Representatives from North Carolina

North Carolina is currently represented by 14 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for North Carolina have changed over time starting in 2008.

Education

In 2021, universities in Northeast Albemarle Sound Region PUMA, NC awarded 997 degrees. The student population of Northeast Albemarle Sound Region PUMA, NC in 2021 is skewed towards women, with 1,692 male students and 2,862 female students.

Most students graduating from Universities in Northeast Albemarle Sound Region PUMA, NC are White (542 and 56.5%), followed by Black or African American (261 and 27.2%), Unknown (69 and 7.19%), and Hispanic or Latino (42 and 4.38%).

The largest universities in Northeast Albemarle Sound Region PUMA, NC by number of degrees awarded are College of the Albemarle (612 and 61.4%), Elizabeth City State University (321 and 32.2%), and Mid-Atlantic Christian University (64 and 6.42%).

The most popular majors in Northeast Albemarle Sound Region PUMA, NC are Liberal Arts & Sciences (229 and 23%), General Business Administration & Management (88 and 8.83%), and Welding Technology (68 and 6.82%).

The median tuition costs in Northeast Albemarle Sound Region PUMA, NC are $15,520 for private four year colleges, and $1,000 and $5,000 respectively, for public four year colleges for in-state students and out-of-state students.

Admissions & Enrollments

Applicants, Admissions & Enrolled

University

Measure

In 2021 in Northeast Albemarle Sound Region PUMA, NC, the percentage of applicants admitted was 74.8%, while the percentage of admitted who enrolled was 13.5%. The number of students enrolled in 2021 was 4,554 (37.2% men and 62.8% women).

The line chart shows the evolution of the percentage of applicants admitted, admitted who enrolled or the number of students enrolled according to the option selected in the upper button.

Enrollments by Gender and Races

Universities

In 2021 there were 4,554 students enrolled in Northeast Albemarle Sound Region PUMA, NC, 37.2% men and 62.8% women.

By race, the largest number of students enrolled was concentrated in White with 1,977 records, of which 63.5% were women and 36.5% men.

Completions

Concentrations

Most Common

Liberal Arts & Sciences
229 degree-majors awarded
Registered Nursing
37 degree-majors awarded
Other Liberal Arts & Sciences, General Studies, & Humanities
36 degree-majors awarded

In 2021, the most common concentation for Associates Degree recipients in Northeast Albemarle Sound Region PUMA, NC was Liberal Arts & Sciences with 229 degrees awarded.

This visualization illustrates the percentage of students graduating with a Associates Degree from schools in Northeast Albemarle Sound Region PUMA, NC according to their major.

Universities

Gender

Race

Largest Universities by degrees awarded

College of the Albemarle
612 degrees awarded
Elizabeth City State University
321 degrees awarded
Mid-Atlantic Christian University
64 degrees awarded

In 2021, the institution with the largest number of graduating students was College of the Albemarle with 612 degrees awarded.

Student Diversity

University

In 2021, 409 men were awarded degrees from institutions in Northeast Albemarle Sound Region PUMA, NC, which is 0.696 times less than the 588 female students who received degrees in the same year.

In 2021 the most common race/ethnicity group awarded degrees at institutions was White students. These 542 degrees mean that there were 2.08 times more degrees awarded to White students then the next closest race/ethnicity group, Black or African American, with 261 degrees awarded.

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Tuition

Average Net Price by Sector

Universities

Private not-for-profit, 4-year or above ($15,520) is the sector with the highest median state tuition in 2021.

Public, 4-year or above ($2,326) is the sector with the highest median state fee in 2021.

Public, 4-year or above ($1,240) is the sector with the highest average net price of books and supplies.

The graph shows the average net price by sector and year.

Working Population

Educational Pyramid

Measure

In 2021, 0.672% of men over 25 years of age had not completed any academic degree (no schooling), while 0.764% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Northeast Albemarle Sound Region PUMA, NC in 2021 were High School or Equivalent (29.5k), Some college (24.2k), and Secondary Education (13.4k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Northeast Albemarle Sound Region PUMA, NC was $198,000 in 2021, which is 0.808 times smaller than the national average of $244,900. Between 2020 and 2021 the median property value increased from $187,200 to $198,000, a 5.77% increase. The homeownership rate in Northeast Albemarle Sound Region PUMA, NC is 73.2%, which is approximately the same as the national average of 64.6%.

People in Northeast Albemarle Sound Region PUMA, NC have an average commute time of 32.6 minutes, and they drove alone to work. Car ownership in Northeast Albemarle Sound Region PUMA, NC is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Northeast Albemarle Sound Region PUMA, NC is $61,637. In 2021, the PUMA with the highest Median Household Income in Northeast Albemarle Sound Region PUMA, NC was Apex & Holly Springs Towns PUMA, NC with a value of $128,604, followed by Raleigh City (Northwest) & Morrisville Town PUMA, NC and Indian Trail & Stallings Towns PUMA, NC, with respective values of $120,640 and $112,051.

Housing

Property

$198,000

Median Property Value 2021

±$5,791

$33,458

Median Property Taxes

±$1,325

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Northeast Albemarle Sound Region PUMA, NC the largest share of households pay taxes in the $800 - $1,499 range.

The chart underneath the paragraph shows the property taxes in Northeast Albemarle Sound Region PUMA, NC compared to it's parent and neighbor geographies.

Rent vs Own

73.2%

Homeownership

2021

65.8%

Homeowners with Mortgage

2021

In 2021, 73.2% of the housing units in Northeast Albemarle Sound Region PUMA, NC were occupied by their owner. This percentage grew from the previous year's rate of 72.3%.

This chart shows the percentage of owner in Northeast Albemarle Sound Region PUMA, NC compared it's parent and neighboring geographies.

Equity

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

In 2021, the PUMA with the highest Median Household Income (Total) in Northeast Albemarle Sound Region PUMA, NC was Apex & Holly Springs Towns PUMA, NC with a value of $128,604, followed by Raleigh City (Northwest) & Morrisville Town PUMA, NC and Indian Trail & Stallings Towns PUMA, NC, with respective values of $120,640 and $112,051.

The following map shows all of the PUMAs in Northeast Albemarle Sound Region PUMA, NC colored by their Median Household Income (Total).

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$61,637

Median Household Income

± $2,895

45.7k

Number of Households

± 1,634

In 2021, the median household income of the 45.7k households in Northeast Albemarle Sound Region PUMA, NC grew to $61,637 from the previous year's value of $56,273.

The following chart displays the households in Northeast Albemarle Sound Region PUMA, NC distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Wage Distribution

0.395

2021 Wage GINI in Northeast Albemarle Sound Region PUMA, NC

0.386

2020 Wage GINI in Northeast Albemarle Sound Region PUMA, NC

In 2021, the income inequality in Northeast Albemarle Sound Region PUMA, NC was 0.395 according to the GINI calculation of the wage distribution. Income inequality had a 2.34% growth from 2020 to 2021, which means that wage distribution grew somewhat less even. The GINI for Northeast Albemarle Sound Region PUMA, NC was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Northeast Albemarle Sound Region PUMA, NC in comparison to the national average.

This chart shows the number of workers in Northeast Albemarle Sound Region PUMA, NC across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2021

Drove Alone (81.2%)
Carpooled (10.7%)
Worked At Home (5.44%)

In 2021, 81.2% of workers in Northeast Albemarle Sound Region PUMA, NC drove alone to work, followed by those who carpooled to work (10.7%) and those who worked at home (5.44%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

32.6 minutes

Average Travel Time

Using averages, employees in Northeast Albemarle Sound Region PUMA, NC have a longer commute time (32.6 minutes) than the normal US worker (26.8 minutes). Additionally, 4.9% of the workforce in Northeast Albemarle Sound Region PUMA, NC have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Northeast Albemarle Sound Region PUMA, NC compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Northeast Albemarle Sound Region PUMA, NC distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Northeast Albemarle Sound Region PUMA, NC have 2 cars.

Poverty

Poverty & Diversity

12.4% of the population for whom poverty status is determined in Northeast Albemarle Sound Region PUMA, NC (14k out of 112k people) live below the poverty line, a number that is lower than the national average of 12.6%. The largest demographic living in poverty are Females 25 - 34, followed by Females 55 - 64 and then Females 6 - 11.

The most common racial or ethnic group living below the poverty line in Northeast Albemarle Sound Region PUMA, NC is White, followed by Black and Hispanic.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

90% of the population of Northeast Albemarle Sound Region PUMA, NC has health coverage, with 38.6% on employee plans, 14.1% on Medicaid, 13.8% on Medicare, 19% on non-group plans, and 4.47% on military or VA plans.

Primary care physicians in North Carolina see 1399 patients per year on average, which represents a 0.427% decrease from the previous year (1405 patients). Compare this to dentists who see 1710 patients per year, and mental health providers who see 363 patients per year.

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for North Carolina.

1,399 to 1

Patient to Primary Care Physician Ratio in North Carolina

Primary care physicians in North Carolina see an average of 1,399 patients per year. This represents a 0.427% decrease from the previous year (1,405 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in North Carolina in comparison to its neighboring geographies.

Health Care Diversity

In 2021, insured persons according to age ranges were distributed in 23.8% under 18 years, 16.9% between 18 and 34 years, 39.9% between 35 and 64 years, and 19.4% over 64 years.

By gender, of the total number of insured persons, 48.2% were men and 51.8% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

10%

Uninsured

38.6%

Employer Coverage

14.1%

Medicaid

13.8%

Medicare

19%

Non-Group

4.47%

Military or VA

Between 2020 and 2021, the percent of uninsured citizens in Northeast Albemarle Sound Region PUMA, NC declined by 4.7% from 10.5% to 10%.

The following chart shows how the percent of uninsured individuals in Northeast Albemarle Sound Region PUMA, NC changed over time compared with the percent of individuals enrolled in various types of health insurance.