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Home Insurance by State
Homeowners premiums vary widely by state, driven by weather risk, rebuild costs, and local claims trends. Compare illustrative annual costs and drill into your state.
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Quick answer
Home insurance is most expensive in catastrophe-exposed states like Florida, Louisiana, and Texas, and cheapest in low-risk states. Costs are driven by hurricanes, hail, wildfire, rebuild costs, and local claims. Compare quotes for your exact address.
Illustrative home insurance cost by state
Estimated rates for illustration only — not a quote.
Why home insurance costs differ by state
Coastal and disaster-prone states carry higher premiums because of hurricane, hail, flood, and wildfire exposure. Rebuild costs, labor, and local claims frequency also matter. Use our home insurance calculator to estimate your own premium, or compare carriers by company.
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Home insurance by state FAQs
Homeowners insurance should be based on rebuild (replacement) cost — what it would take to rebuild the structure — not the market or sale price, which includes land value. Insuring to market value can leave you underinsured or overpaying.
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