Home Insurance Costs by State

Homeowners insurance protects against fire, theft and weather — and its cost varies more by location than almost anything else in your PITI.

The range

The national average is around $1,700 a year, but that hides enormous variation. Flood- and hurricane-prone states like Florida and Louisiana average $3,000 to $4,000 or more, while low-risk inland states sit near $1,000.

What drives the price

• Weather risk — hurricanes, hail, wildfires and floods dominate.
• Home value and rebuild cost — more house, more to replace.
• Age and construction — older homes and wood frames cost more.
• Deductible and coverage — higher deductible, lower premium.

How to save

Shop at least three insurers, raise your deductible, and bundle with auto. The spread between the cheapest and most expensive quote is often 50% or more.

Our location pages pre-fill typical insurance costs so you can see a realistic payment for your area.