Insurance Cost Rankings
Pre-computed rankings from U.S. Treasury FIO data (2018-2022). Jump to any section to see the top ZIP codes and states across key insurance metrics. Data from NAIC and state insurance department filings, covering all 50 states; see our methodology.
Most Expensive ZIP Codes Most Affordable ZIP Codes Biggest Premium Increases Biggest Premium Decreases Highest Loss Ratios Highest Nonrenewal Rates Most Expensive States Most Affordable States
Most Expensive ZIP Codes
ZIP codes with the highest average homeowners insurance premiums in 2022.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 33480 | Palm Beach, FL | $40,719/yr |
| #2 | 33140 | Miami Beach, FL | $34,055/yr |
| #3 | 31561 | Sea Island, GA | $25,848/yr |
| #4 | 33316 | Fort Lauderdale, FL | $24,366/yr |
| #5 | 34102 | Naples, FL | $23,927/yr |
| #6 | 33141 | Miami Beach, FL | $23,306/yr |
| #7 | 33462 | Lake Worth, FL | $23,271/yr |
| #8 | 11962 | Sagaponack, NY | $22,974/yr |
| #9 | 33408 | North Palm Beach, FL | $22,223/yr |
| #10 | 33455 | Hobe Sound, FL | $22,109/yr |
| #11 | 32963 | Vero Beach, FL | $22,107/yr |
| #12 | 33156 | Miami, FL | $21,818/yr |
| #13 | 33483 | Delray Beach, FL | $21,807/yr |
| #14 | 33143 | Miami, FL | $20,377/yr |
| #15 | 32561 | Gulf Breeze, FL | $19,891/yr |
| #16 | 11976 | Water Mill, NY | $19,340/yr |
| #17 | 33158 | Miami, FL | $18,684/yr |
| #18 | 10021 | New York, NY | $18,597/yr |
| #19 | 33301 | Fort Lauderdale, FL | $18,274/yr |
| #20 | 11932 | Bridgehampton, NY | $17,929/yr |
| #21 | 33432 | Boca Raton, FL | $17,430/yr |
| #22 | 10014 | New York, NY | $16,786/yr |
| #23 | 33146 | Miami, FL | $16,565/yr |
| #24 | 34228 | Longboat Key, FL | $16,387/yr |
| #25 | 33133 | Miami, FL | $16,296/yr |
| #26 | 02554 | Nantucket, MA | $16,084/yr |
| #27 | 33477 | Jupiter, FL | $15,997/yr |
| #28 | 10128 | New York, NY | $15,848/yr |
| #29 | 10075 | New York, NY | $15,663/yr |
| #30 | 06390 | Fishers Island, NY | $15,382/yr |
| #31 | 33062 | Pompano Beach, FL | $15,346/yr |
| #32 | 10065 | New York, NY | $15,332/yr |
| #33 | 02564 | Siasconset, MA | $15,191/yr |
| #34 | 02535 | Chilmark, MA | $14,909/yr |
| #35 | 11975 | Wainscott, NY | $14,865/yr |
| #36 | 33308 | Fort Lauderdale, FL | $14,813/yr |
| #37 | 33715 | Saint Petersburg, FL | $14,639/yr |
| #38 | 29401 | Charleston, SC | $14,548/yr |
| #39 | 10011 | New York, NY | $14,334/yr |
| #40 | 11765 | Mill Neck, NY | $14,308/yr |
| #41 | 34242 | Sarasota, FL | $14,228/yr |
| #42 | 33304 | Fort Lauderdale, FL | $14,108/yr |
| #43 | 33487 | Boca Raton, FL | $14,049/yr |
| #44 | 10028 | New York, NY | $14,005/yr |
| #45 | 33306 | Fort Lauderdale, FL | $13,900/yr |
| #46 | 33957 | Sanibel, FL | $13,752/yr |
| #47 | 33435 | Boynton Beach, FL | $13,667/yr |
| #48 | 29482 | Sullivans Island, SC | $13,528/yr |
| #49 | 34103 | Naples, FL | $13,359/yr |
| #50 | 33305 | Fort Lauderdale, FL | $13,197/yr |
Most Affordable ZIP Codes
ZIP codes with the lowest average homeowners insurance premiums in 2022.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 85141 | Picacho, AZ | $565/yr |
| #2 | 89034 | $632/yr | |
| #3 | 48630 | Houghton Lake Heights, MI | $669/yr |
| #4 | 85336 | Gadsden, AZ | $698/yr |
| #5 | 85356 | Wellton, AZ | $708/yr |
| #6 | 18056 | Hereford, PA | $712/yr |
| #7 | 85346 | Quartzsite, AZ | $722/yr |
| #8 | 14884 | Swain, NY | $723/yr |
| #9 | 17850 | Montandon, PA | $723/yr |
| #10 | 85120 | Apache Junction, AZ | $725/yr |
| #11 | 17729 | Cross Fork, PA | $725/yr |
| #12 | 16228 | Ford Cliff, PA | $738/yr |
| #13 | 15827 | Byrnedale, PA | $739/yr |
| #14 | 85614 | Green Valley, AZ | $741/yr |
| #15 | 13211 | Syracuse, NY | $745/yr |
| #16 | 15951 | Saint Michael, PA | $746/yr |
| #17 | 17721 | Avis, PA | $748/yr |
| #18 | 15861 | Sinnamahoning, PA | $751/yr |
| #19 | 17748 | Mc Elhattan, PA | $756/yr |
| #20 | 14623 | Rochester, NY | $758/yr |
| #21 | 15832 | Driftwood, PA | $758/yr |
| #22 | 14720 | Celoron, NY | $758/yr |
| #23 | 89018 | Indian Springs, NV | $759/yr |
| #24 | 28553 | Marshallberg, NC | $761/yr |
| #25 | 14904 | Elmira, NY | $762/yr |
| #26 | 48627 | Higgins Lake, MI | $766/yr |
| #27 | 85348 | Salome, AZ | $768/yr |
| #28 | 85367 | Yuma, AZ | $768/yr |
| #29 | 17009 | Burnham, PA | $775/yr |
| #30 | 28511 | Atlantic, NC | $778/yr |
| #31 | 28524 | Davis, NC | $779/yr |
| #32 | 16874 | Snow Shoe, PA | $779/yr |
| #33 | 89046 | Searchlight, NV | $780/yr |
| #34 | 14126 | Olcott, NY | $781/yr |
| #35 | 17086 | Richfield, PA | $782/yr |
| #36 | 14823 | Canisteo, NY | $782/yr |
| #37 | 15661 | Loyalhanna, PA | $783/yr |
| #38 | 15952 | Salix, PA | $784/yr |
| #39 | 17876 | Shamokin Dam, PA | $784/yr |
| #40 | 17344 | Mc Sherrystown, PA | $785/yr |
| #41 | 15821 | Benezett, PA | $785/yr |
| #42 | 14425 | Farmington, NY | $785/yr |
| #43 | 15930 | Dunlo, PA | $785/yr |
| #44 | 28531 | Harkers Island, NC | $786/yr |
| #45 | 15938 | Lilly, PA | $788/yr |
| #46 | 18234 | Lattimer Mines, PA | $788/yr |
| #47 | 13863 | Willet, NY | $789/yr |
| #48 | 16239 | Marienville, PA | $789/yr |
| #49 | 14445 | East Rochester, NY | $790/yr |
| #50 | 14606 | Rochester, NY | $790/yr |
Biggest Premium Increases
ZIP codes where premiums rose the most from 2018 to 2022 (percentage change).
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 95454 | Laytonville, CA | +105.7% |
| #2 | 89109 | Las Vegas, NV | +96.8% |
| #3 | 91759 | Mt Baldy, CA | +90.6% |
| #4 | 95225 | Burson, CA | +89.1% |
| #5 | 96065 | Montgomery Creek, CA | +83.4% |
| #6 | 92060 | Palomar Mountain, CA | +81.4% |
| #7 | 95466 | Philo, CA | +77.9% |
| #8 | 96016 | Cassel, CA | +77.5% |
| #9 | 96096 | Whitmore, CA | +76.2% |
| #10 | 78701 | Austin, TX | +76.1% |
| #11 | 96059 | Manton, CA | +75.0% |
| #12 | 96039 | Happy Camp, CA | +74.6% |
| #13 | 95979 | Stonyford, CA | +74.5% |
| #14 | 96061 | Mill Creek, CA | +74.1% |
| #15 | 96047 | Igo, CA | +73.9% |
| #16 | 95467 | Hidden Valley Lake, CA | +73.8% |
| #17 | 95461 | Middletown, CA | +73.5% |
| #18 | 10065 | New York, NY | +73.5% |
| #19 | 95490 | Willits, CA | +73.3% |
| #20 | 95971 | Quincy, CA | +72.7% |
| #21 | 96017 | Castella, CA | +72.1% |
| #22 | 95947 | Greenville, CA | +70.9% |
| #23 | 95426 | Cobb, CA | +70.8% |
| #24 | 95421 | Cazadero, CA | +70.5% |
| #25 | 95252 | Valley Springs, CA | +68.0% |
| #26 | 95573 | Willow Creek, CA | +67.9% |
| #27 | 95469 | Potter Valley, CA | +67.7% |
| #28 | 95956 | Meadow Valley, CA | +67.5% |
| #29 | 96124 | Calpine, CA | +66.7% |
| #30 | 95546 | Hoopa, CA | +66.6% |
| #31 | 96118 | Loyalton, CA | +66.5% |
| #32 | 96058 | Macdoel, CA | +66.5% |
| #33 | 95669 | Plymouth, CA | +66.3% |
| #34 | 95543 | Gasquet, CA | +66.0% |
| #35 | 93641 | Miramonte, CA | +65.8% |
| #36 | 96050 | Klamath River, CA | +65.7% |
| #37 | 96071 | Old Station, CA | +65.6% |
| #38 | 95494 | Yorkville, CA | +65.5% |
| #39 | 95721 | Echo Lake, CA | +65.2% |
| #40 | 95254 | Wallace, CA | +65.1% |
| #41 | 96033 | French Gulch, CA | +65.0% |
| #42 | 96040 | Hat Creek, CA | +64.9% |
| #43 | 95470 | Redwood Valley, CA | +64.9% |
| #44 | 95471 | Rio Nido, CA | +64.3% |
| #45 | 85256 | Scottsdale, AZ | +64.2% |
| #46 | 93653 | Raymond, CA | +63.6% |
| #47 | 95983 | Taylorsville, CA | +63.5% |
| #48 | 96032 | Fort Jones, CA | +63.3% |
| #49 | 95222 | Angels Camp, CA | +63.2% |
| #50 | 96022 | Cottonwood, CA | +62.8% |
Biggest Premium Decreases
ZIP codes where premiums fell the most from 2018 to 2022 (percentage change).
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 33853 | Lake Wales, FL | -53.3% |
| #2 | 34654 | New Port Richey, FL | -51.3% |
| #3 | 33898 | Lake Wales, FL | -50.4% |
| #4 | 33922 | Bokeelia, FL | -50.2% |
| #5 | 34601 | Brooksville, FL | -48.8% |
| #6 | 34610 | Spring Hill, FL | -47.0% |
| #7 | 33187 | Miami, FL | -44.3% |
| #8 | 33576 | San Antonio, FL | -43.3% |
| #9 | 34655 | New Port Richey, FL | -43.3% |
| #10 | 33870 | Sebring, FL | -43.2% |
| #11 | 33523 | Dade City, FL | -42.8% |
| #12 | 33050 | Marathon, FL | -41.4% |
| #13 | 33543 | Wesley Chapel, FL | -40.9% |
| #14 | 33859 | Lake Wales, FL | -40.7% |
| #15 | 34638 | Land O Lakes, FL | -40.6% |
| #16 | 33565 | Plant City, FL | -40.5% |
| #17 | 33844 | Haines City, FL | -40.3% |
| #18 | 32686 | Reddick, FL | -39.7% |
| #19 | 33541 | Zephyrhills, FL | -38.9% |
| #20 | 85336 | Gadsden, AZ | -38.9% |
| #21 | 33982 | Punta Gorda, FL | -38.7% |
| #22 | 34788 | Leesburg, FL | -38.5% |
| #23 | 33912 | Fort Myers, FL | -38.1% |
| #24 | 33993 | Cape Coral, FL | -37.8% |
| #25 | 34984 | Port Saint Lucie, FL | -37.7% |
| #26 | 34221 | Palmetto, FL | -37.2% |
| #27 | 33525 | Dade City, FL | -37.2% |
| #28 | 32124 | Daytona Beach, FL | -36.6% |
| #29 | 34748 | Leesburg, FL | -36.5% |
| #30 | 33860 | Mulberry, FL | -36.3% |
| #31 | 33917 | North Fort Myers, FL | -35.7% |
| #32 | 77650 | Port Bolivar, TX | -35.3% |
| #33 | 33545 | Wesley Chapel, FL | -34.6% |
| #34 | 33875 | Sebring, FL | -34.4% |
| #35 | 34756 | Montverde, FL | -34.3% |
| #36 | 33830 | Bartow, FL | -34.3% |
| #37 | 33880 | Winter Haven, FL | -34.3% |
| #38 | 33884 | Winter Haven, FL | -33.7% |
| #39 | 33881 | Winter Haven, FL | -33.3% |
| #40 | 33872 | Sebring, FL | -32.9% |
| #41 | 32179 | Ocklawaha, FL | -32.3% |
| #42 | 33903 | North Fort Myers, FL | -32.2% |
| #43 | 32608 | Gainesville, FL | -32.2% |
| #44 | 33823 | Auburndale, FL | -32.1% |
| #45 | 34480 | Ocala, FL | -32.0% |
| #46 | 33556 | Odessa, FL | -31.9% |
| #47 | 23899 | Claremont, VA | -31.9% |
| #48 | 32778 | Tavares, FL | -31.8% |
| #49 | 33544 | Wesley Chapel, FL | -31.6% |
| #50 | 32784 | Umatilla, FL | -31.3% |
Highest Loss Ratios
ZIP codes where insurers paid out the most in claims relative to premiums earned (2022).
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 96050 | Klamath River, CA | 8371.6% |
| #2 | 95636 | Grizzly Flats, CA | 6838.8% |
| #3 | 87742 | Rociada, NM | 6559.4% |
| #4 | 97488 | Vida, OR | 4485.3% |
| #5 | 97342 | Detroit, OR | 3853.0% |
| #6 | 87745 | Sapello, NM | 3516.4% |
| #7 | 95969 | Paradise, CA | 3360.8% |
| #8 | 80027 | Louisville, CO | 3024.2% |
| #9 | 97885 | Wallowa, OR | 3003.4% |
| #10 | 87732 | Mora, NM | 2899.5% |
| #11 | 95916 | Berry Creek, CA | 2639.5% |
| #12 | 97346 | Gates, OR | 2479.2% |
| #13 | 76435 | Carbon, TX | 2196.5% |
| #14 | 95947 | Greenville, CA | 2066.8% |
| #15 | 15434 | Elco, PA | 1858.5% |
| #16 | 95017 | Davenport, CA | 1819.2% |
| #17 | 27941 | Harbinger, NC | 1788.8% |
| #18 | 80303 | Boulder, CO | 1693.5% |
| #19 | 23156 | Shacklefords, VA | 1679.3% |
| #20 | 15477 | Roscoe, PA | 1525.9% |
| #21 | 54944 | Hortonville, WI | 1513.9% |
| #22 | 54942 | Greenville, WI | 1507.3% |
| #23 | 21835 | Linkwood, MD | 1470.8% |
| #24 | 57717 | Belle Fourche, SD | 1457.7% |
| #25 | 15483 | Stockdale, PA | 1434.0% |
| #26 | 42325 | Bremen, KY | 1393.3% |
| #27 | 42044 | Gilbertsville, KY | 1386.0% |
| #28 | 99019 | Liberty Lake, WA | 1315.3% |
| #29 | 95403 | Santa Rosa, CA | 1307.3% |
| #30 | 50858 | Orient, IA | 1198.3% |
| #31 | 33993 | Cape Coral, FL | 1172.8% |
| #32 | 96107 | Coleville, CA | 1170.1% |
| #33 | 42408 | Dawson Springs, KY | 1169.8% |
| #34 | 95923 | Canyon Dam, CA | 1162.8% |
| #35 | 50446 | Joice, IA | 1134.5% |
| #36 | 97358 | Lyons, OR | 1110.0% |
| #37 | 95735 | Twin Bridges, CA | 1075.4% |
| #38 | 15419 | California, PA | 1069.8% |
| #39 | 84756 | Newcastle, UT | 1069.3% |
| #40 | 99025 | Newman Lake, WA | 1069.1% |
| #41 | 33914 | Cape Coral, FL | 1065.5% |
| #42 | 57656 | Timber Lake, SD | 1058.5% |
| #43 | 97413 | Blue River, OR | 1030.6% |
| #44 | 95404 | Santa Rosa, CA | 1014.4% |
| #45 | 33931 | Fort Myers Beach, FL | 1009.4% |
| #46 | 47578 | Sandborn, IN | 994.5% |
| #47 | 57567 | Philip, SD | 979.7% |
| #48 | 34224 | Englewood, FL | 976.9% |
| #49 | 15412 | Allenport, PA | 967.6% |
| #50 | 67232 | Wichita, KS | 955.0% |
Highest Nonrenewal Rates
ZIP codes where insurers declined to renew the most policies (2022). High nonrenewal rates may indicate insurer risk concerns.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 29926 | Hilton Head Island, SC | 43.8% |
| #2 | 29566 | Little River, SC | 28.1% |
| #3 | 29910 | Bluffton, SC | 27.9% |
| #4 | 29466 | Mount Pleasant, SC | 27.8% |
| #5 | 29486 | 25.5% | |
| #6 | 29568 | Longs, SC | 21.6% |
| #7 | 29579 | Myrtle Beach, SC | 21.6% |
| #8 | 29492 | Charleston, SC | 21.3% |
| #9 | 91917 | Dulzura, CA | 21.1% |
| #10 | 29906 | Beaufort, SC | 19.2% |
| #11 | 93518 | Caliente, CA | 18.1% |
| #12 | 29485 | Summerville, SC | 17.9% |
| #13 | 29461 | Moncks Corner, SC | 16.6% |
| #14 | 29483 | Summerville, SC | 16.2% |
| #15 | 29909 | Okatie, SC | 15.9% |
| #16 | 93271 | Three Rivers, CA | 15.8% |
| #17 | 29405 | North Charleston, SC | 15.5% |
| #18 | 29526 | Conway, SC | 15.0% |
| #19 | 29450 | Huger, SC | 14.6% |
| #20 | 29456 | Ladson, SC | 14.3% |
| #21 | 95471 | Rio Nido, CA | 14.0% |
| #22 | 29412 | Charleston, SC | 13.9% |
| #23 | 29414 | Charleston, SC | 13.9% |
| #24 | 95379 | Tuolumne, CA | 13.7% |
| #25 | 29927 | Hardeeville, SC | 13.4% |
| #26 | 95935 | Dobbins, CA | 13.4% |
| #27 | 96017 | Castella, CA | 13.2% |
| #28 | 29440 | Georgetown, SC | 13.0% |
| #29 | 29582 | North Myrtle Beach, SC | 13.0% |
| #30 | 95675 | River Pines, CA | 12.9% |
| #31 | 29445 | Goose Creek, SC | 12.7% |
| #32 | 29418 | North Charleston, SC | 12.6% |
| #33 | 29470 | Ravenel, SC | 12.5% |
| #34 | 38567 | Hickman, TN | 12.5% |
| #35 | 29527 | Conway, SC | 12.5% |
| #36 | 29406 | Charleston, SC | 12.1% |
| #37 | 29420 | North Charleston, SC | 12.0% |
| #38 | 91963 | Potrero, CA | 11.9% |
| #39 | 70645 | Hackberry, LA | 11.9% |
| #40 | 29410 | Hanahan, SC | 11.7% |
| #41 | 29936 | Ridgeland, SC | 11.5% |
| #42 | 91905 | Boulevard, CA | 11.3% |
| #43 | 29455 | Johns Island, SC | 11.3% |
| #44 | 29588 | Myrtle Beach, SC | 11.2% |
| #45 | 95978 | Stirling City, CA | 11.1% |
| #46 | 95494 | Yorkville, CA | 11.0% |
| #47 | 29577 | Myrtle Beach, SC | 10.9% |
| #48 | 22427 | Bowling Green, VA | 10.7% |
| #49 | 27830 | Fremont, NC | 10.5% |
| #50 | 70124 | New Orleans, LA | 10.5% |
Most Expensive States
States with the highest average homeowners insurance premiums.
| Rank | State | Location | Value |
|---|---|---|---|
| #1 | Florida | $4,870/yr | |
| #2 | Oklahoma | $2,622/yr | |
| #3 | Colorado | $2,591/yr | |
| #4 | Louisiana | $2,539/yr | |
| #5 | Nebraska | $2,473/yr | |
| #6 | Kansas | $2,350/yr | |
| #7 | Texas | $2,349/yr | |
| #8 | Massachusetts | $2,294/yr | |
| #9 | Rhode Island | $2,292/yr | |
| #10 | Connecticut | $2,258/yr | |
| #11 | Hawaii | $2,130/yr | |
| #12 | Missouri | $2,056/yr | |
| #13 | District of Columbia | $1,991/yr | |
| #14 | Mississippi | $1,976/yr | |
| #15 | North Dakota | $1,954/yr | |
| #16 | Montana | $1,945/yr | |
| #17 | Alabama | $1,931/yr | |
| #18 | Minnesota | $1,928/yr | |
| #19 | Wyoming | $1,902/yr | |
| #20 | New York | $1,896/yr | |
| #21 | California | $1,864/yr | |
| #22 | New Jersey | $1,858/yr | |
| #23 | South Dakota | $1,854/yr | |
| #24 | Georgia | $1,769/yr | |
| #25 | South Carolina | $1,765/yr |
Most Affordable States
States with the lowest average homeowners insurance premiums.
| Rank | State | Location | Value |
|---|---|---|---|
| #1 | Pennsylvania | $1,131/yr | |
| #2 | Utah | $1,132/yr | |
| #3 | West Virginia | $1,167/yr | |
| #4 | Oregon | $1,199/yr | |
| #5 | Wisconsin | $1,224/yr | |
| #6 | Arizona | $1,226/yr | |
| #7 | Michigan | $1,233/yr | |
| #8 | Delaware | $1,252/yr | |
| #9 | Nevada | $1,253/yr | |
| #10 | Ohio | $1,263/yr | |
| #11 | Alaska | $1,288/yr | |
| #12 | Maine | $1,294/yr | |
| #13 | Vermont | $1,309/yr | |
| #14 | Idaho | $1,321/yr | |
| #15 | Virginia | $1,369/yr | |
| #16 | North Carolina | $1,379/yr | |
| #17 | Washington | $1,384/yr | |
| #18 | New Hampshire | $1,428/yr | |
| #19 | Indiana | $1,481/yr | |
| #20 | Kentucky | $1,557/yr | |
| #21 | New Mexico | $1,577/yr | |
| #22 | Maryland | $1,627/yr | |
| #23 | Iowa | $1,629/yr | |
| #24 | Illinois | $1,631/yr | |
| #25 | Tennessee | $1,728/yr |
Data: U.S. Treasury Federal Insurance Office, 2018-2022. Rankings based on ZIP-level averages. Loss ratio = claims paid / premiums earned. Nonrenewal rate = policies not renewed by insurer / total policies.