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.
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.
