Home Insurance Cost by State: All 50 States Ranked (2026)

The national average home insurance premium is $2,543/year for a $300,000 dwelling with a $1,000 deductible. But your state is the single biggest factor in what you actually pay.

Key Findings

Florida is the most expensive state at $7,136/year, nearly 3x the national average. Hurricane risk and a reinsurance crisis are the primary drivers.
Hawaii is the least expensive at $659/year, 74% below the national average, thanks to minimal severe weather exposure.
Louisiana saw the largest 2026 increase at +58%, driven by repeated hurricane losses and insurer insolvencies.
Southeast and Midwest states dominate the expensive list due to hurricane corridors, tornado alleys, and hail frequency.

All 50 States + D.C. Ranked by Annual Premium

Rank	State	Annual	Monthly	vs National	2026 Change
1	Florida	$7,136	$595	+180.6%	+2.1%
2	Louisiana	$5,624	$469	+121.1%	+58.0%
3	Oklahoma	$4,653	$388	+83.0%	+15.4%
4	Kansas	$3,647	$304	+43.4%	+11.2%
5	Nebraska	$3,573	$298	+40.5%	+18.6%
6	Colorado	$3,261	$272	+28.2%	+14.7%
7	Texas	$3,243	$270	+27.5%	+10.8%
8	Arkansas	$3,194	$266	+25.6%	+8.4%
9	South Dakota	$3,158	$263	+24.2%	+10.3%
10	Mississippi	$3,128	$261	+23.0%	+9.6%
11	Kentucky	$2,711	$226	+6.6%	+33.0%
12	Alabama	$2,738	$228	+7.7%	+5.2%
13	Tennessee	$2,685	$224	+5.6%	+8.9%
14	Missouri	$2,607	$217	+2.5%	+7.2%
15	Minnesota	$2,534	$211	-0.4%	+29.0%
16	Michigan	$2,497	$208	-1.8%	+48.0%
17	Georgia	$2,451	$204	-3.6%	+7.5%
18	South Carolina	$2,407	$201	-5.3%	+7.8%
19	Illinois	$2,398	$200	-5.7%	+5.6%
20	North Dakota	$2,356	$196	-7.4%	+8.1%
21	North Carolina	$2,293	$191	-9.8%	+6.9%
22	New Mexico	$2,194	$183	-13.7%	+6.3%
23	Montana	$2,178	$182	-14.4%	+5.8%
24	Iowa	$2,167	$181	-14.8%	+6.1%
25	Arizona	$2,147	$179	-15.6%	+6.8%
26	Rhode Island	$2,091	$174	-17.8%	+4.6%
27	Connecticut	$2,087	$174	-17.9%	+3.2%
28	New York	$2,056	$171	-19.1%	+5.1%
29	Massachusetts	$2,041	$170	-19.7%	+4.8%
30	West Virginia	$2,034	$170	-20.0%	+5.3%
31	Wyoming	$1,998	$167	-21.4%	+4.2%
32	California	$1,966	$164	-22.7%	+12.3%
33	Indiana	$1,927	$161	-24.2%	+4.3%
34	Virginia	$1,893	$158	-25.6%	+37.0%
35	Maryland	$1,832	$153	-28.0%	+3.7%
36	Pennsylvania	$1,746	$146	-31.3%	+3.4%
37	Ohio	$1,715	$143	-32.6%	+3.9%
38	New Jersey	$1,673	$139	-34.2%	+4.5%
39	D.C.	$1,654	$138	-35.0%	+3.6%
40	Wisconsin	$1,584	$132	-37.7%	+3.1%
41	Nevada	$1,576	$131	-38.0%	+4.1%
42	Maine	$1,394	$116	-45.2%	+2.5%
43	Idaho	$1,348	$112	-47.0%	+3.5%
44	Washington	$1,316	$110	-48.3%	+3.0%
45	Alaska	$1,289	$107	-49.3%	+2.1%
46	New Hampshire	$1,193	$99	-53.1%	+2.3%
47	Utah	$1,089	$91	-57.2%	+2.0%
48	Delaware	$1,039	$87	-59.1%	+1.8%
49	Oregon	$978	$82	-61.5%	+1.9%
50	Vermont	$804	$67	-68.4%	+1.5%
51	Hawaii	$659	$55	-74.1%	+1.2%

Source: 2026 rate filing data compiled from Bankrate, Insurify, and Insurance.com rate analyses. All figures based on $300,000 dwelling coverage, $1,000 deductible, standard HO-3 policy.

Why the Most Expensive States Cost So Much

Florida

$7,136/yr

Florida sits at the epicenter of the U.S. hurricane corridor. Repeated Category 4-5 storms have triggered a reinsurance crisis, insurer insolvencies, and a fraud-plagued assignment-of-benefits system that drove several carriers out of the state. Citizens Property Insurance (the state insurer of last resort) now covers over 1.4 million policies, up from 500,000 in 2019.

Louisiana

$5,624/yr

Five named storms in two years (2020-2021) caused over $30 billion in insured losses. Multiple regional carriers became insolvent. Coastal erosion accelerates storm surge penetration inland. The state's insurer of last resort, Louisiana Citizens, has grown rapidly while remaining carriers pass reinsurance costs directly to policyholders.

Oklahoma

$4,653/yr

Located in the heart of Tornado Alley, Oklahoma experiences some of the most frequent and severe hailstorms in the country. The state averages 52 tornadoes per year. Hail damage alone accounts for roughly 70% of all homeowners claims in the state. Roof replacement frequency is among the highest nationally.

Kansas

$3,647/yr

Severe convective storms, including tornadoes, hail, and straight-line winds, hit Kansas with regularity. The state sits in the overlap zone of Tornado Alley and the High Plains hail corridor. Construction costs in rural areas have increased 15-20% since 2022 due to labor shortages.

Nebraska

$3,573/yr

Nebraska faces the same severe weather pattern as Kansas with the added challenge of large hailstones. The June 2024 hailstorm in Omaha caused $2.5 billion in insured losses alone, the costliest single hailstorm in U.S. history. Carriers have responded with steep premium adjustments statewide.

Why the Least Expensive States Pay Less

Hawaii

$659/yr

Hawaii's isolated mid-Pacific location shields it from most severe weather. Hurricanes rarely make direct landfall, earthquakes are moderate and infrequent, and there is virtually no hail or tornado risk. The main natural hazard (volcanic activity) affects a very limited geographic area on the Big Island.

Vermont

$804/yr

Vermont's low population density, minimal severe weather exposure, and relatively old but well-maintained housing stock keep claims frequency and severity low. The state has no coastline, minimal tornado risk, and moderate winter storm exposure.

Oregon

$978/yr

Oregon benefits from a mild Pacific Northwest climate with low tornado, hail, and hurricane risk. Earthquake risk exists (Cascadia Subduction Zone) but current actuarial models still reflect low historical earthquake loss frequency. Wildfire risk is concentrated in eastern Oregon and is increasingly priced into policies there.

Delaware

$1,039/yr

Delaware is small, flat, and largely protected from severe weather. It is far enough north to avoid the worst of hurricane season and has no mountain terrain that generates severe convective weather. Low claims frequency drives affordable premiums.

Utah

$1,089/yr

Utah's arid climate, stable geology, and low population density in rural areas result in very low claims frequency. The state has minimal flood risk (outside flash flood areas), no hurricane exposure, and moderate winter storm impacts. Low humidity reduces water damage and mold claims.