Top 10 US States by Average Homeowners Insurance Premium
PlainInsure ranks all 51 US states and territories by the average homeowners insurance premium aggregated from ZIP-code-level rate filings.
Research
Original data research from the PlainInsure. Every number here is pulled directly from our live database; nothing is hardcoded.
Download the state-level extract cited on this page: fio-homeowners-state-statistics.csv (CC0).
What can you learn from PlainInsure research?
What this research covers
PlainInsure research ranks homeowners-insurance costs and risk across 25,593 ZIP codes (through 2022), with a national average premium of $1,776, answering one premium or nonrenewal question per study.
- 25,593
- ZIP codes covered
- $1,776
- national avg premium
- 330
- insurers in filings
- 3
- published studies
Studies below answer one insurance cost or risk ranking question each from the live FIO/FEMA mirror; they are descriptive market statistics, not insurance advice.
Top 10 ZIP Codes by Homeowners-Insurance Nonrenewal Rate
PlainInsure ranks the 25,593 covered ZIP codes by latest reported homeowners-insurance nonrenewal rate.
Top 10 US Counties by FEMA National Risk Index Score
PlainInsure ranks 3,232 US counties by the FEMA National Risk Index composite risk score, the federal government's standard county-level natural-hazard rating.