Disclaimer
PlainInsure makes U.S. homeowners insurance data legible using public Treasury and FEMA figures. Please read how to use this information responsibly before acting on it.
Informational Only — Not Professional Advice
PlainInsure is for general informational purposes only. Nothing on this site is insurance, financial, or legal advice. Insurance pricing, coverage eligibility, underwriting, and nonrenewal decisions depend on your specific property and on current state regulation and insurer policy. For any decision about buying, comparing, or renewing a policy, consult a licensed insurance agent or your state's insurance department.
Averages, Not Quotes
The premiums on this site are market averages reported to the U.S. Treasury Federal Insurance Office and aggregated at the ZIP-code level across many policies and insurers. They describe the typical cost in an area; they are not a quote for any individual home. Two homes on the same street can pay very different premiums depending on dwelling value, age, roof and construction type, prior claims, coverage limits, and the deductible chosen. Your actual premium will differ. Loss ratios, claim frequencies, and nonrenewal rates are likewise area-level statistics, not predictions about any single policy.
Data Currency
The Treasury FIO homeowners data covers the 2018–2022 reporting period and may not reflect current market conditions; insurance markets — especially in catastrophe-exposed regions — can shift quickly. FEMA National Risk Index scores and NADP dental figures reflect their own most recent releases. Always confirm current figures and availability directly with insurers before relying on them.
No Government or Industry Affiliation
PlainInsure is an independent data publisher operated by Kiznis Studio. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Department of the Treasury, the Federal Insurance Office, FEMA, the NAIC, any state insurance department, or any insurance company. Agency and company names are used only to identify the source of public data.
No Warranty
While we work to reflect the source data accurately, we make no warranty as to the completeness, accuracy, or timeliness of any figure and accept no liability for decisions made in reliance on this site. If you believe a number is wrong, please tell us through our corrections process.