Home Insurance Rates by State (2026)
Average annual premiums for standard HO-3 coverage in every U.S. state. Range: $868 (Vermont) to $2,840 (Florida) — over 3× spread.
Updated May 21, 2026 · Methodology
| State | Avg annual | Notes |
|---|---|---|
| Vermont | $868 | Low claim frequency, stable carrier market |
| Oregon | $912 | Low CAT exposure outside wildfire zones |
| Idaho | $948 | Strong regional mutual presence |
| Wisconsin | $1,012 | Stable rates, broad carrier choice |
| Pennsylvania | $1,148 | Aging-housing surcharges common |
| New Hampshire | $1,182 | Low CAT, stable rates |
| Indiana | $1,206 | Mid-tier hail exposure |
| Ohio | $1,254 | Standard claim frequency |
| Maine | $1,288 | Old housing stock adjustments |
| Iowa | $1,342 | Hail belt edge, moderate exposure |
| Tennessee | $1,386 | Tornado + hail exposure |
| Michigan | $1,412 | High UM rate, claim density |
| North Carolina | $1,418 | Coastal vs inland spread is wide |
| California | $1,394 | Wildfire surcharges; carrier pullback |
| New York | $1,448 | Coastal vs. inland; high construction costs |
| Texas | $2,128 | Hail + hurricane on Gulf coast |
| Oklahoma | $2,392 | Hail-belt state; high deductibles common |
| Florida | $2,840 | Highest avg in U.S.; hurricane deductible |
| Louisiana | $2,712 | Hurricane + flood overlap; second-highest |
- StateVermontAvg annual$868NotesLow claim frequency, stable carrier market
- StateOregonAvg annual$912NotesLow CAT exposure outside wildfire zones
- StateIdahoAvg annual$948NotesStrong regional mutual presence
- StateWisconsinAvg annual$1,012NotesStable rates, broad carrier choice
- StatePennsylvaniaAvg annual$1,148NotesAging-housing surcharges common
- StateNew HampshireAvg annual$1,182NotesLow CAT, stable rates
- StateIndianaAvg annual$1,206NotesMid-tier hail exposure
- StateOhioAvg annual$1,254NotesStandard claim frequency
- StateMaineAvg annual$1,288NotesOld housing stock adjustments
- StateIowaAvg annual$1,342NotesHail belt edge, moderate exposure
- StateTennesseeAvg annual$1,386NotesTornado + hail exposure
- StateMichiganAvg annual$1,412NotesHigh UM rate, claim density
- StateNorth CarolinaAvg annual$1,418NotesCoastal vs inland spread is wide
- StateCaliforniaAvg annual$1,394NotesWildfire surcharges; carrier pullback
- StateNew YorkAvg annual$1,448NotesCoastal vs. inland; high construction costs
- StateTexasAvg annual$2,128NotesHail + hurricane on Gulf coast
- StateOklahomaAvg annual$2,392NotesHail-belt state; high deductibles common
- StateFloridaAvg annual$2,840NotesHighest avg in U.S.; hurricane deductible
- StateLouisianaAvg annual$2,712NotesHurricane + flood overlap; second-highest
Home insurance rates vary more by state than nearly any other personal-finance product. The cheapest state (Vermont, $868/yr) and most expensive (Florida, $2,840/yr) differ by more than 3× for identical dwelling profiles. The spread reflects underlying loss landscape: hurricane, hail, wildfire, tornado exposure; reinsurance markets; construction-cost regional differences; and state-DOI regulatory approval cycles.
- National average annual premium: $1,820 (+8.4% YoY in 2026).
- CAT-prone states (FL, LA, TX, OK) account for the top 4 most-expensive.
- Cheapest 5 states all share: low CAT exposure + stable carrier market + low theft.
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Why rates vary so much by state
- Severe weather frequency — hurricane, wildfire, hail, tornado losses dominate state-level pricing.
- Reinsurance markets — carriers reinsure globally; reinsurance pricing rolls forward into 2026 rates.
- Construction and labor costs — rebuild costs vary widely by region; pulled premiums up unevenly.
- State regulations — some state DOIs approve rate filings faster; allows carriers to respond to losses quicker.
- Housing stock age — older housing markets (Northeast) face higher surcharges for system updates.
- Carrier participation — California wildfire and Florida hurricane caused several majors to stop writing new business; fewer carriers = higher prices.
State minimum vs. recommended dwelling coverage
- Lower premium with state-minimum dwelling.
- Works if you have an emergency fund covering the rebuild gap.
- Lender often accepts mortgage-balance-equivalent coverage.
- Frees budget for higher liability + umbrella.
- Underinsured dwelling = partial-payout on every claim (coinsurance clause).
- Real replacement cost is 30–50% above market value for most homes.
- 80% coinsurance enforcement = $25K kitchen fire paid at 75%, you cover the rest.
- New roof, new HVAC = your replacement cost has gone up. Verify yearly.
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Frequently asked questions
Why is home insurance so expensive in Florida?
What's the cheapest state for homeowners insurance?
Does moving states change my home insurance rate?
Why are CA carriers pulling out?
Do all carriers write in all states?
Sources
- NAIC — Homeowners Insurance Database Report
- Insurance Information Institute — State-by-State Premium Data
- State Departments of Insurance — Public rate filings
Methodology
State medians from 380K shopper-submitted home-insurance binding quotes through Insurances Quote (Jan 2024 – May 2026), normalized to a 3-BR, 1,800 sq ft single-family home with $420K replacement cost and $1,000 deductible. Blended with publicly filed state-DOI rate data where shopper sample is thin.
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