Average home insurance cost by state.
Home insurance prices swing dramatically by state, driven by hurricanes, hail, wildfire, and rebuild costs. The U.S. average is $1,569/yr. Pick your state to see what you can expect and what drives your rate.
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Alabama$1,748/yrHurricanes, tornadoes & hail+11% vs avgAlaska$1,129/yrWinter weather & remote rebuild costs-28% vs avgArizona$1,018/yrLow catastrophe risk, some hail & wildfire-35% vs avgArkansas$1,740/yrTornadoes, hail & severe storms+11% vs avgCalifornia$1,492/yrWildfire (earthquake is separate)-5% vs avgColorado$2,079/yrHail & wildfire+33% vs avgConnecticut$1,814/yrCoastal storms & nor’easters+16% vs avgDelaware$1,103/yrLow catastrophe risk, some coastal exposure-30% vs avgDistrict of Columbia$1,384/yrUrban risks, low catastrophe exposure-12% vs avgFlorida$2,677/yrHurricanes & flooding+71% vs avgGeorgia$1,655/yrTornadoes, hurricanes & hail+5% vs avgHawaii$1,431/yrHurricanes & volcanic activity-9% vs avgIdaho$1,002/yrLow catastrophe risk, some wildfire-36% vs avgIllinois$1,343/yrTornadoes, hail & severe storms-14% vs avgIndiana$1,191/yrTornadoes & severe storms-24% vs avgIowa$1,268/yrTornadoes, derechos & hail-19% vs avgKansas$1,583/yrTornadoes & hail (Tornado Alley)≈ U.S. avgKentucky$1,359/yrTornadoes, flooding & severe storms-13% vs avgLouisiana$2,603/yrHurricanes & flooding+66% vs avgMaine$1,077/yrWinter storms, low catastrophe risk-31% vs avgMaryland$1,392/yrCoastal storms, moderate risk-11% vs avgMassachusetts$1,871/yrNor’easters & coastal storms+19% vs avgMichigan$1,056/yrLow catastrophe risk, winter weather-33% vs avgMinnesota$1,774/yrHail, tornadoes & severe storms+13% vs avgMississippi$1,907/yrHurricanes & tornadoes+22% vs avgMissouri$1,668/yrTornadoes, hail & severe storms+6% vs avgMontana$1,639/yrHail, wildfire & wind+4% vs avgNebraska$1,869/yrHail & tornadoes+19% vs avgNevada$948/yrLowest catastrophe risk-40% vs avgNew Hampshire$1,188/yrWinter storms, low catastrophe risk-24% vs avgNew Jersey$1,417/yrCoastal storms & hurricanes-10% vs avgNew Mexico$1,322/yrWildfire & hail-16% vs avgNew York$1,628/yrCoastal storms & high rebuild costs+4% vs avgNorth Carolina$1,621/yrHurricanes & severe storms+3% vs avgNorth Dakota$1,325/yrHail, wind & winter weather-16% vs avgOhio$995/yrLow catastrophe risk, severe storms-37% vs avgOklahoma$2,268/yrTornadoes & hail (Tornado Alley)+45% vs avgOregon$893/yrLow catastrophe risk (wildfire rising)-43% vs avgPennsylvania$1,120/yrLow catastrophe risk, winter weather-29% vs avgRhode Island$2,074/yrCoastal storms & nor’easters+32% vs avgSouth Carolina$1,571/yrHurricanes & hail≈ U.S. avgSouth Dakota$1,756/yrHail, tornadoes & wind+12% vs avgTennessee$1,492/yrTornadoes, severe storms & flooding-5% vs avgTexas$2,397/yrHurricanes, tornadoes & hail+53% vs avgUtah$937/yrLow catastrophe risk (earthquake exposure)-40% vs avgVermont$1,109/yrWinter storms & flooding-29% vs avgVirginia$1,332/yrHurricanes & severe storms-15% vs avgWashington$1,151/yrLow catastrophe risk (wildfire & quake exposure)-27% vs avgWest Virginia$1,113/yrFlooding & winter weather-29% vs avgWisconsin$957/yrLow catastrophe risk, hail & winter-39% vs avgWyoming$1,596/yrHail, wind & wildfire+2% vs avg
Source: NAIC (2022), average premium for owner-occupied HO-3 homeowners policies. Figures are statewide averages; your quote depends on your specific home.
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