Data study · last updated 2026-07-22
Home Insurance Cost by State, 2026
Average annual homeowners premium in all 50 states and the District of Columbia, held at a standardized $300,000 dwelling coverage level so the comparison is like-for-like. Sortable, sourced, and free to cite.
National average
$2,543
per year, standardized coverage
Most expensive
Florida
$7,136/yr
Least expensive
Utah
$1,024/yr
Top-to-bottom spread
7×
highest vs. lowest state
Average premium by state
Click any column heading to sort. Premiums are annual, at $300,000 dwelling coverage with a $1,000 deductible.
51 of 51 · national avg $2,543
| Main risk drivers | ||||
|---|---|---|---|---|
| 1 | FloridaCarriers pulling back | $7,136$595/mo | +181% | Hurricane and tropical wind, Storm surge and coastal flooding, Sinkholes |
| 2 | Louisiana | $6,076$506/mo | +139% | Hurricane and tropical wind, Storm surge and flooding, Wind damage |
| 3 | Colorado | $4,963$414/mo | +95% | Wildfire, Hail storms, High winds |
| 4 | Oklahoma | $4,642$387/mo | +83% | Tornadoes, Hail storms, Straight-line wind events |
| 5 | Texas | $4,142$345/mo | +63% | Hurricane and tropical wind, Tornadoes, Hail storms, Coastal flooding |
| 6 | Mississippi | $3,920$327/mo | +54% | Hurricane and tropical wind, Tornadoes, Flooding |
| 7 | Nebraska | $3,516$293/mo | +38% | Hail storms, Tornadoes, High winds |
| 8 | Kansas | $3,244$270/mo | +28% | Tornadoes, Hail storms, High winds |
| 9 | North Carolina | $3,124$260/mo | +23% | Hurricane and tropical wind, Flooding, Coastal wind damage |
| 10 | Alabama | $3,012$251/mo | +18% | Hurricane and tropical wind, Tornadoes, Flooding |
| 11 | Arkansas | $2,718$227/mo | +7% | Tornadoes, Hail storms, Flash flooding |
| 12 | Missouri | $2,540$212/mo | 0% | Tornadoes, Flash flooding, Hail storms |
| 13 | South Carolina | $2,484$207/mo | -2% | Hurricane and tropical wind, Coastal flooding, Wind damage |
| 14 | Illinois | $2,402$200/mo | -6% | Tornadoes, Flash flooding, Hail storms |
| 15 | Tennessee | $2,364$197/mo | -7% | Tornadoes, Flash flooding, Hail storms |
| 16 | Arizona | $2,344$195/mo | -8% | Wildfire, Monsoon storms and hail, Flash flooding |
| 17 | Georgia | $2,286$191/mo | -10% | Hurricane and tropical wind, Tornadoes, Flooding |
| 18 | Kentucky | $2,268$189/mo | -11% | Tornadoes, Flash flooding, Hail storms |
| 19 | North Dakota | $2,168$181/mo | -15% | Hail storms, Blizzards and ice storms, Flooding |
| 20 | Minnesota | $2,136$178/mo | -16% | Tornadoes, Hail storms, Blizzards and ice storms |
| 21 | South Dakota | $2,076$173/mo | -18% | Hail storms, Tornadoes, Blizzards |
| 22 | New Mexico | $2,028$169/mo | -20% | Wildfire, Hail storms, Flash flooding |
| 23 | Iowa | $2,010$168/mo | -21% | Tornadoes, Hail storms, Flash flooding |
| 24 | Montana | $1,942$162/mo | -24% | Wildfire, Hail storms, Flooding |
| 25 | Indiana | $1,836$153/mo | -28% | Tornadoes, Hail storms, Ice storms |
| 26 | Michigan | $1,800$150/mo | -29% | Hail storms, Freeze and ice damage, Flooding |
| 27 | Wyoming | $1,762$147/mo | -31% | Hail storms, High winds, Wildfire |
| 28 | Washington | $1,753$146/mo | -31% | Wildfire, Earthquake (not covered by standard HO-3), Windstorms |
| 29 | Massachusetts | $1,750$146/mo | -31% | Hurricane and tropical wind, Flooding, Nor'easters and winter storms |
| 30 | Connecticut | $1,746$146/mo | -31% | Hurricane and tropical wind, Coastal flooding, Wind damage |
| 31 | New York | $1,695$141/mo | -33% | Nor'easters and winter storms, Coastal flooding and storm surge (Long Island, NYC metro), Ice dams and freeze-thaw roof damage, Hail events in the Hudson Valley and western NY |
| 32 | Rhode Island | $1,688$141/mo | -34% | Hurricane and tropical wind, Coastal flooding, Wind damage |
| 33 | Virginia | $1,680$140/mo | -34% | Hurricane and tropical wind, Flooding, Coastal storms |
| 34 | West Virginia | $1,680$140/mo | -34% | Flooding, Hail storms, Winter storms |
| 35 | CaliforniaCarriers pulling back | $1,616$135/mo | -36% | Wildfire, Drought and extreme heat, Mudslides and landslides |
| 36 | Ohio | $1,596$133/mo | -37% | Tornadoes, Hail storms, Flooding |
| 37 | Wisconsin | $1,540$128/mo | -39% | Hail storms, Tornadoes, Flooding |
| 38 | Idaho | $1,526$127/mo | -40% | Wildfire, Flooding, Hail storms |
| 39 | New Jersey | $1,480$123/mo | -42% | Hurricane and tropical wind, Coastal flooding, Wind damage |
| 40 | Maryland | $1,464$122/mo | -42% | Flooding, Hurricane and tropical wind, Wind damage |
| 41 | Pennsylvania | $1,450$121/mo | -43% | Flooding, Hail storms, Nor'easters and winter storms |
| 42 | Nevada | $1,384$115/mo | -46% | Wildfire, Flash flooding, Extreme heat damage |
| 43 | Alaska | $1,380$115/mo | -46% | Earthquake (not covered by standard HO-3), Freeze and permafrost damage, Flooding |
| 44 | Hawaii | $1,328$111/mo | -48% | Volcanic activity and lava flow, Flooding and tsunamis, Hurricane wind |
| 45 | District of Columbia | $1,308$109/mo | -49% | — |
| 46 | Maine | $1,296$108/mo | -49% | Nor'easters and winter storms, Flooding, Freeze damage |
| 47 | Oregon | $1,246$104/mo | -51% | Wildfire, Flooding, Windstorms |
| 48 | New Hampshire | $1,124$94/mo | -56% | Nor'easters and winter storms, Flooding, Freeze damage |
| 49 | Vermont | $1,124$94/mo | -56% | Flooding, Nor'easters and winter storms, Ice damage |
| 50 | Delaware | $1,064$89/mo | -58% | Flooding, Hurricane and tropical wind, Coastal storms |
| 51 | Utah | $1,024$85/mo | -60% | Wildfire, Flash flooding, Earthquake (not covered by standard HO-3) |
Source: Insurance.com — Average homeowners insurance rates by state (Rate Analysis 2026). Risk drivers are RealCostIQ's own classification. Free to cite with attribution and a link to this page.
What the spread actually tells you
A 7-fold gap between the most and least expensive state is larger than the gap in almost any other homeownership cost, including property tax. It exists because premiums track what carriers actually pay out, and catastrophe exposure is wildly uneven across the country. Hurricane and wind risk dominates the Gulf and Southeast. Hail and severe convective storms drive the Plains states — which is why Oklahoma, Nebraska and Kansas sit near the top of a list most people expect to be all coastal. Wildfire is reshaping the West.
The corollary is that a state average is a weak predictor of your own premium. Within a single state, coastal versus inland counties can differ by a factor of four, and your own roof age and claims history move the number further than most state-level differences do. Run your own numbers →
Where price is no longer the main problem
In some states the harder issue is availability rather than cost. Where major carriers have stopped writing new business, the published average understates the situation: it reflects policies that exist, not the quotes a new buyer can actually obtain. In those markets homeowners face fewer options, stricter roof and inspection requirements, and often the state insurer of last resort.
- Florida — $7,136/yr, backstop: Citizens Property Insurance Corporation
- California — $1,616/yr, backstop: California FAIR Plan
Why published national averages disagree
You will see the 2026 national average quoted anywhere from roughly $1,600 to $3,100. Those are not competing estimates of the same quantity — they measure different things, and the difference is entirely methodological. We list them separately rather than averaging them into a figure that answers none of the questions.
- NAIC Homeowners Insurance Report (Data for 2022, published May 2025) — $1,569. The official regulator dataset. Reflects policies actually sold at whatever coverage buyers chose, not a standardized quote, which is why the level is far below quote-based studies. Copyright NAIC; linked, not reproduced.
- LendingTree — State of Home Insurance 2026 (published June 2026) — $2,395. Standardized at $350,000 dwelling with a $1,000 deductible. Reports a 46.8% cumulative increase over 2020–2025, and puts Oklahoma highest and Hawaii lowest.
- Bankrate — Homeowners insurance cost (2026) — $2,424. Standardized at $300,000 dwelling, quoted for good credit. Bankrate's own credit-tier spread runs to $5,122 for poor credit on identical coverage.
- Insurify — Home Insurance Price Projections (published March 2026) — $3,057. Uses each state's typical home value rather than a fixed coverage amount, so expensive states carry more weight and the national figure runs higher. Reports 2025 actual of $2,948 and projects 2026 at $3,057, a fifth consecutive annual increase.
This matters for rankings too, not just levels. A study standardizing on a fixed coverage amount and one weighting by each state's actual home values will disagree about which state is most expensive — so a “most expensive state” figure taken from one study and a “cheapest state” figure taken from another do not belong in the same sentence. Every number in our table above comes from a single dataset, which is what makes the comparison valid.
How much premiums have risen
Two independent estimates land near the same figure over slightly different windows. LendingTree, working from regulator rate-change filings, reports a cumulative increase of about 46.8% across 2020–2025. Insurify separately reports roughly 46% since 2021 and projects 2026 as a fifth consecutive annual increase. Those are different statistics over different baselines that happen to land close together — worth citing individually rather than treating as a single consensus number.
The causes are consistent across sources: rebuild costs rose faster than general inflation, severe-weather losses grew — with hail and wind, not headline hurricanes, doing much of the damage — and reinsurance repriced hard, passing straight through to policyholders.
Methodology and honest limitations
The premium column is third-party data, reproduced with attribution, not RealCostIQ original research. Rank and the comparison to the national average are computed by us from that same set, so they are internally consistent with it.
- No year-over-year column. We do not hold a per-state time series we trust enough to publish one. Rather than ship a column of plausible-looking numbers, we have left it out and cited the national trend figures above to their own sources.
- The NAIC data is linked, not reproduced. The regulator's own report is the authoritative per-state source, but it is copyright NAIC and explicitly restricts redistribution, and its latest edition covers 2022. We link it as a reference point.
- State averages hide enormous within-state variance. County-level differences frequently exceed the difference between states.
- Availability is not captured by price. In markets where carriers have withdrawn, the average reflects existing policies rather than what a new buyer can obtain.
Citing this page
This table is free to cite and reuse with attribution and a link back to this page. If you are quoting a specific premium figure, please also credit the underlying source, Insurance.com — Average homeowners insurance rates by state (Rate Analysis 2026).
Related tools and guides
- Home Insurance Cost Calculator — your own estimate, with every factor shown
- Mortgage Calculator — fold the premium into a full PITI payment
- Mortgage Affordability Calculator
- Home insurance costs by state — topic hub
- Flood insurance — separate policy, not covered by a standard HO-3
- All state homeowner guides
Frequently asked questions
Which state has the most expensive home insurance?+
On the dataset used here — average annual premium at a standardized $300,000 dwelling coverage level — Florida is the most expensive at about $7,136 a year, roughly 181% above the $2,543 national average. Rankings do vary between published studies because they standardize on different coverage amounts, so a study using each state's actual home values will produce a different order. That is why we publish one dataset rather than blending several.
Which state has the cheapest home insurance?+
On this dataset Utah is the least expensive at about $1,024 a year. Broadly, the cheapest states are those with little hurricane, wildfire, or severe hail exposure. Note that a low average does not always mean cheap for you — within any state, premiums vary widely by county, by distance from fire protection, and by the age and construction of the individual home.
Why do different sources report such different national averages?+
Because they are measuring different things. Studies that standardize on a fixed dwelling amount, such as $300,000 or $350,000, produce a comparable like-for-like figure and land around $2,400 to $2,600. Studies weighted by each state's actual home values give more weight to expensive states and land closer to $3,000. The regulator's own dataset, from the NAIC, reflects policies people actually bought at whatever coverage they chose, and comes in far lower again. None of these is wrong; they answer different questions. Averaging them together would produce a number that answers none of them.
How much have home insurance premiums risen?+
LendingTree, working from regulator rate-change filings, reports a cumulative increase of about 46.8% across 2020 to 2025. Insurify separately reports roughly 46% since 2021 and projects 2026 to be a fifth consecutive year of increases. Those two figures are close but measure different windows and are not the same statistic, so they should be cited individually rather than merged. The drivers are consistent across sources: higher rebuild costs, larger severe-weather losses particularly from hail and wind, and a hard repricing in the reinsurance market that passes through to policyholders.
What can I do if premiums in my state have become unaffordable?+
In order of impact: raise your deductible, since going from $1,000 to $5,000 typically cuts around a fifth off the premium and matches how you should be using the policy anyway; re-shop if your credit has improved, because in most states credit is a larger factor than anything about the house; and address the specific risk that is driving your rate, since a new impact-rated roof or documented wildfire defensible space can move you back into the standard market. Check that you are insured for rebuild cost rather than market value before cutting anything, though — underinsuring triggers a coinsurance penalty on every claim, not just total losses.