U.S. Homeowners Insurance Statistics
A national snapshot of what American homeowners pay for property insurance, computed live from U.S. Treasury data. Each figure below is aggregated directly from the official records, not estimated.
- $1,776
- average annual premium (2022)
- $4,870
- highest: Florida
- 25,593
- ZIP codes covered
- 330+
- insurers in the data
The national picture
The average U.S. homeowner pays about $1,776 a year for property insurance, but the bill swings sharply by location, from about $4,870 in Florida down to roughly $1,131 in Pennsylvania, driven mostly by local disaster risk.
- $1,776
- Average annual premium (2022)
- $4,870
- Most expensive: Florida
- $1,131
- Least expensive: Pennsylvania
- 1.2%
- Average annual non-renewal rate
Average annual homeowners-insurance premium and non-renewal rate, aggregated from U.S. Treasury Federal Insurance Office ZIP-level data (2022).
Most expensive states for home insurance
Average annual homeowners-insurance premium for the ten states where coverage costs the most, 2022. The ranking tracks catastrophe exposure: hurricane, wildfire, hail, and flood risk push premiums up far more than home value alone.
Cite this page
These statistics are free to quote and link with attribution. Suggested citation:
PlainInsure, "U.S. Homeowners Insurance Statistics," based on U.S. Treasury Federal Insurance Office data (2022). https://plaininsure.com/statistics/
Source data is in the public domain. Homeowners-insurance figures come from the U.S. Treasury Federal Insurance Office.
According to the U.S. Treasury Federal Insurance Office's most recent published ZIP-level extract (2022), the national average annual premium was $1,776 across 25,593 ZIP codes and 330+ insurers. See our methodology for how these figures are aggregated from the underlying FIO records.
Reading these numbers
A national average hides a wide gap that is mostly about where you live, not how nice your house is.
- The typical premium is about $1,776, but coastal and wildfire-prone states can run several times higher than the safest ones. Look up your area
- Premiums track disaster risk more than home value, so two similar homes in different states can carry very different bills. Compare states
- Non-renewal (an insurer dropping a policy) averages about 1.2% nationally but concentrates in the highest-risk areas. Methodology
Figures are U.S. Treasury FIO aggregates for 2022 and are refreshed when new data is released. They describe typical premiums, not a quote for any specific home, and are not insurance advice.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This page draws directly on U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.