What does insurance really cost?
Homeowners insurance market metrics aggregated from the Treasury Federal Insurance Office (FIO) and FEMA National Risk Index. Coverage spans 25,000 ZIP codes plus state-level and county-level aggregates.
ZIP-level U.S. homeowners insurance premiums, loss ratios, nonrenewals from Treasury FIO data (2018-2022), ranked and cross-linked to risks/taxes.
Homeowners insurance premiums, loss ratios, claim data, and nonrenewal rates for 25,593 ZIP codes. Official U.S. Treasury data, 2018-2022.
The national picture
The typical U.S. home is insured for $1,776/yr, but what you pay is set by your ZIP — the priciest ZIPs cost roughly 57× the cheapest.
- $1,776
- National avg premium (2022)
- 57×
- priciest vs cheapest ZIP
- +6%
- U.S. avg, 2018→2022
- 25,593
- ZIP codes covered
Premiums are ZIP-level averages from U.S. Treasury FIO data (2018–2022). Look up your ZIP for an exact figure.
National Loss Ratio Snapshot
The U.S. homeowners insurance market is operating in the consumer-favorable to underwriting-loss zone — premium pressure ahead. AM Best industry composite for personal property carriers anchors the rating bracket below.
U.S. Homeowners Composite — 2022 FIO data: 81% (Consumer-favorable) — near break-even — premium pressure likely in next renewal cycle.
Compare your state on the state pages or look up an exact ratio with the percentile lookup tool.
Most Expensive ZIP Codes
View all rankings →Biggest Premium Increases
Full rankings →ZIP codes with the largest premium increases from 2018 to 2022.
Browse by State
View all states →Insurance Guides
Why Is My Insurance So Expensive?
Data shows a 72x gap between the cheapest and most expensive ZIP codes. Find out what drives your costs.
Insurance Costs by State
Compare average premiums across all 50 states and D.C. using 2022 Treasury data.
What Is a Loss Ratio?
The most important number in insurance, explained with real ZIP code data.
The Nonrenewal Crisis
Where insurers are pulling out and what it means for homeowners in affected areas.
Data sourced from the U.S. Department of the Treasury, Federal Insurance Office (FIO) report "Analyses of U.S. Homeowners Insurance Markets, 2018-2022." Premiums shown are ZIP-level averages and may not reflect individual policy costs. This site is for informational purposes only and is not affiliated with the U.S. Treasury or any insurance company.
State ranking — top 10 by average homeowners premium
State-level FIO averages — top 10 most expensive states for homeowners coverage.
Frequently Asked Questions
Where does PlainInsure get its insurance cost data?
All data comes from the U.S. Department of the Treasury's Federal Insurance Office (FIO), which collects homeowners insurance premium and claims data by ZIP code from major insurers.
What years of insurance data are available?
PlainInsure includes 5 years of homeowners insurance data from 2018 to 2022, covering over 25,500 ZIP codes across all 51 states (including D.C.).
Is PlainInsure free?
Yes, PlainInsure is completely free. You can look up average insurance costs for your ZIP code, compare costs across states, and view trends without any account or subscription.
Why do insurance costs vary so much by ZIP code?
Homeowners insurance premiums are influenced by local risk factors including natural disaster frequency, crime rates, building costs, claims history, and state regulations. FIO data captures these variations at the ZIP code level.
Guides & Analysis
Editorial research and plain-language explainers from our team. Every guide is written to help you read the underlying public data correctly.
Browse the data
Premium, claim, and nonrenewal metrics for every ZIP, state, and county in the Treasury FIO + FEMA NRI dataset. See research methodology.
Premium & nonrenewal rankings
Most expensive ZIPs, biggest premium increases, highest loss ratios, and highest nonrenewal rates — recomputed live from the rankings table.
StatesState-by-state breakdown
Average premium, loss ratio, claim frequency, and nonrenewal rate for all 50 states plus DC — sourced from Treasury FIO state aggregates.
ZIP codesZIP-level browse
Every public 5-digit ZIP code with policy decile, premium, claim frequency, and FEMA NRI risk-score join — over 25,000 records.