Hawkeye,
First, nice to meet another North Carolinian on here!
A lot of your problems are most likely coming from geology. I'm not sure of your location, but I'll bet you are in the Piedmont somewhere given the age and type of home. Geology gives us lots of problems in this state. Clay soils have tremendous shrink/swell, and we sit on one of the most extensive landslide areas in the country - but our landslides tend to be the slower type instead of the dramatic ones you see in California or other places.
Clay soils as I mentioned are very responsive to moisture. As you know we had been in a drought for almost a decade, with the most severe part being in 2007. Now, in 2009, the heavens doused us with a fire hose. Our soils went from extremely dry to quite wet very quickly, and the actual change in size is pretty dramatic. Clay soils also tend to "slump" as you can see on almost any hillside - if you are built on or above a hill you'll be seeing this too. (I know back about 10 years ago, a big shopping center moved in up here and several large retaining walls were built to hold up the parking lot. Now the walls are bulging and leaning horribly from the soil pressure.)
Chances are a lot of people are experiencing the same problems you are but aren't observant enough to notice. There's not really a lot you can do but be aware of what's going on and alert someone if you notice any dramatic changes. We're not at risk for a sudden landslide unless we get a big hurricane or something, but our soils do move and shift around a lot. Settling, cracks, and movement are inevitable, but not necessarily destructive.
Take care.