Home Insurance by State

Average homeowners insurance rates, disaster risks, city-by-city premiums, and savings tips for all 50 U.S. states. Select your state below.

AL

Alabama

Avg. annual premium ~$1,900. High tornado risk (Dixie Alley), moderate hurricane risk on coast.

 AK

Alaska

Avg. annual premium ~$1,060. Very high earthquake risk; permafrost damage a unique concern.

 AZ

Arizona

Avg. annual premium ~$1,460. High wildfire and flash flood risk during monsoon season.

 AR

Arkansas

Avg. annual premium ~$1,680. Very high tornado risk; frequent ice storms and hail.

 CA

California

Avg. annual premium ~$1,380. Severe insurance market crisis; very high wildfire and earthquake risk.

 CO

Colorado

Avg. annual premium ~$2,130. Very high hail and wildfire risk; among highest rates in Midwest.

 CT

Connecticut

Avg. annual premium ~$1,520. Nor'easter and hurricane risk; older housing stock.

 DE

Delaware

Avg. annual premium ~$890. Moderate coastal risk; competitive market keeps rates low.

 FL

Florida

Avg. annual premium ~$3,680. Highest rates in the nation; severe hurricane and sinkhole risk.

 GA

Georgia

Avg. annual premium ~$1,680. Coastal hurricane risk; inland tornado and flooding risk.

 HI

Hawaii

Avg. annual premium ~$1,160. Volcanic activity risk on Big Island; hurricane and tsunami risk.

 ID

Idaho

Avg. annual premium ~$980. Growing wildfire risk in northern communities; moderate overall rates.

 IL

Illinois

Avg. annual premium ~$1,490. Urban flooding risk in Chicago; tornado risk statewide.

 IN

Indiana

Avg. annual premium ~$1,380. High tornado risk especially in southern counties.

 IA

Iowa

Avg. annual premium ~$1,640. Very high hail frequency; significant tornado and flood risk.

 KS

Kansas

Avg. annual premium ~$2,240. Tornado Alley epicenter; very high tornado and hail rates.

 KY

Kentucky

Avg. annual premium ~$1,820. Very high flooding risk; catastrophic 2022 eastern KY floods.

 LA

Louisiana

Avg. annual premium ~$2,740. Second-highest rates nationally; extreme hurricane and flood risk.

 ME

Maine

Avg. annual premium ~$1,080. High nor'easter risk; ice dams a common winter claim.

 MD

Maryland

Avg. annual premium ~$1,410. Chesapeake Bay tidal flooding; hurricane and nor'easter risk.

 MA

Massachusetts

Avg. annual premium ~$1,620. Very high nor'easter risk; separate coastal wind pool available.

 MI

Michigan

Avg. annual premium ~$1,190. Extreme lake-effect snow risk; urban flooding in Detroit area.

 MN

Minnesota

Avg. annual premium ~$1,780. High tornado and hail risk; extreme winter weather statewide.

 MS

Mississippi

Avg. annual premium ~$1,940. Extreme coastal hurricane risk; very high inland tornado rates.

 MO

Missouri

Avg. annual premium ~$1,870. Multiple severe weather corridors; New Madrid earthquake risk.

 MT

Montana

Avg. annual premium ~$1,410. Very high and growing wildfire risk in western communities.

 NE

Nebraska

Avg. annual premium ~$1,720. Very high hail risk; tornado and rapid flooding risk.

 NV

Nevada

Avg. annual premium ~$940. Growing wildfire risk in Reno area; low overall rates.

 NH

New Hampshire

Avg. annual premium ~$1,130. High nor'easter and winter storm risk; competitive market.

 NJ

New Jersey

Avg. annual premium ~$1,390. Post-Sandy flood awareness; high coastal storm risk.

 NM

New Mexico

Avg. annual premium ~$1,310. Very high wildfire risk; 2022 Hermits Peak Fire largest in state history.

 NY

New York

Avg. annual premium ~$1,340. NYC flood risk; lake-effect snow upstate; post-Sandy awareness.

 NC

North Carolina

Avg. annual premium ~$1,480. High hurricane risk; Florence (2018) flooded 100+ miles inland.

 ND

North Dakota

Avg. annual premium ~$1,540. Very high Red River flooding risk; extreme winter weather.

 OH

Ohio

Avg. annual premium ~$1,360. Moderate tornado risk; lake-effect snow in northeast.

 OK

Oklahoma

Avg. annual premium ~$2,880. Highest rates in the nation; Tornado Alley epicenter.

 OR

Oregon

Avg. annual premium ~$1,180. Very high wildfire risk; Cascadia earthquake risk largely uninsured.

 PA

Pennsylvania

Avg. annual premium ~$1,240. Significant inland flooding risk from Susquehanna River system.

 RI

Rhode Island

Avg. annual premium ~$1,490. Narragansett Bay amplifies storm surge; nor'easter risk.

 SC

South Carolina

Avg. annual premium ~$1,980. Charleston faces chronic tidal flooding; hurricane risk on coast.

 SD

South Dakota

Avg. annual premium ~$1,410. Very high hail rates; extreme blizzard risk statewide.

 TN

Tennessee

Avg. annual premium ~$1,720. High tornado and flooding risk; 2010 Nashville flood landmark event.

 TX

Texas

Avg. annual premium ~$2,890. Second-highest nationally; hurricane, tornado, hail, and flood risk.

 UT

Utah

Avg. annual premium ~$1,060. Very high Wasatch Fault earthquake risk; growing wildfire risk.

 VT

Vermont

Avg. annual premium ~$1,020. High inland flooding risk; catastrophic floods in 2011 and 2023.

 VA

Virginia

Avg. annual premium ~$1,290. Hampton Roads faces tidal flooding; coastal hurricane risk.

 WA

Washington

Avg. annual premium ~$1,190. Very high Cascadia earthquake risk; severe wildfire in eastern WA.

 WV

West Virginia

Avg. annual premium ~$1,040. Very high flash flooding risk in mountain river valleys.

 WI

Wisconsin

Avg. annual premium ~$1,240. Moderate tornado and hail risk; lake-effect snow in northeast.

 WY

Wyoming

Avg. annual premium ~$1,240. Extreme wind risk; high hail frequency; growing wildfire concern.