FIO historical change report
How homeowners insurance costs changed from 2018 to 2022
A ZIP-level view of the premiums that moved most over the five annual observations in the U.S. Treasury Federal Insurance Office dataset.
- $1,667
- 2018 average
- $1,776
- 2022 average
- +6.5%
- change across 2018-2022
Download the state-level extract cited on this page: fio-homeowners-state-statistics.csv (CC0).
The national change
Across the available national series, average homeowners premiums changed +6.5% from 2018 to 2022, from $1,667 to $1,776.
- $1,667
- 2018 national average
- $1,776
- 2022 national average
- +6.5%
- change across 2018-2022
These are historical annual observations inside the published FIO extract. They are not current insurance quotes or forecasts.
Where premiums rose most
The largest percentage changes can reflect a small policy base, so use them as a starting point for local research rather than a prediction of your next premium.
Largest premium increases by ZIP code
Where premiums fell most
This ranking shows the largest declines over the same study window. The chart reports the magnitude, and the linked ZIP page preserves the signed change.
Largest premium decreases by ZIP code
How to use this report
Open a ZIP page to compare its historical premium path with its state context, nonrenewal coverage, and the source period. For a broader current snapshot, visit the national statistics, full insurance rankings, affordable ZIP tool, or comparison tool.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This report calculates ZIP-level changes from the annual observations published in the U.S. Treasury FIO homeowners insurance extract. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.