Average homeowners insurance cost by ZIP code in 2025

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After analyzing rates from top insurers across all 50 states and hundreds of cities — down to the ZIP code — we found that homeowners pay an average of $2,601 per year for coverage. That figure reflects the average cost of a home insurance policy with $300,000 in dwelling coverage and personal liability and a $1,000 deductible. 

The cheapest ZIP code for home insurance is 96813 in Honolulu, where rates average just $610 per year. On the flip side, the most expensive is 28480 in North Carolina, with a staggering $29,684 annual premium.

Why do home insurance costs vary so much from state to state? Several factors drive up prices in certain areas, including the risk of natural disasters. States with frequent hurricanes, hailstorms, tornadoes, and earthquakes tend to have higher home insurance rates. Additionally, local construction costs, claim frequency, and state regulations all drive up the price of premiums.

To get the best deal for your situation, gather quotes from at least three to five insurers — comparing rates is the easiest way to find solid coverage at the right price.

See what homeowners insurance costs in your ZIP code

Use the homeowners insurance calculator below to estimate average rates in your ZIP code and see what coverage might cost in your area.

Home Insurance Calculator

See how the average annual home insurance rates vary with the options chosen.

ZIP

Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000

Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $100,000$300,000

Deductible Hurricane (2% of insured value)Standard ($1000)

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Average Annual Home Insurance Rates

33315 - Fort Lauderdale

$10,230 Average rate

$19,810 Highest
rate The estimated highest premium from one of the carriers near 33315

$2,341 Lowest
rate The estimated lowest premium from one of the carriers near 33315

Most expensive ZIP for home insurance in
Florida

ZIP Code	City	Average Rate
33070	Islamorada Village of Islands	$18,374
33037	Key Largo	$18,140
33036	Islamorada Village of Islands	$18,033
33001	Long Key	$18,014

Least expensive ZIP for home insurance in
Florida

ZIP Code	City	Average Rate
32307	Tallahassee	$2,251
32313	Tallahassee	$2,251
32306	Tallahassee	$2,251
32308	Tallahassee	$2,267

Average homeowners insurance premiums by ZIP code and city

Homeowners insurance premiums vary greatly depending on your ZIP code. Your location determines the risks that are most likely to result in a claim, and the more severe and common those risks are, the more you are likely to pay. The same applies to the cost of building materials in your area.

“Cost of living varies from town to town and city to city, which affects reconstruction and repair costs,” Brenda Wells, chair of the Department of Finance and Insurance at East Carolina University says.

The least expensive ZIP code for homeowners insurance is 96813 in Honolulu, Hawaii, at an average annual rate of $610. 28480 in Wrightsville Beach, North Carolina, is the most expensive ZIP code for home insurance, with a sky-high average annual rate of $29,684 — a 5,000% difference. 

Below, you’ll find rankings of the most and least expensive ZIP codes for home insurance. To identify the priciest areas, we found the ZIP code with the highest average rate in each state and listed them from highest to lowest. For the cheapest, we did the same — highlighting the ZIP codes with the lowest average rates and listing them from lowest to highest. All rates are based on the following coverage level:

• $300,000 in dwelling coverage 
• $1,000 deductible 
• $300,000 liability coverage
• 2% hurricane deductible where applicable

Highest homeowners insurance rates by ZIP code

The highest homeowners insurance rates belong to ZIP code 28480 in Wrightsville Beach, North Carolina. The high rate is likely due to its location on the coast, which leaves it vulnerable to hurricanes. ZIP codes in Islamorada, Florida, and El Lago, Texas ranked second and third.

It’s no surprise that many of the most expensive ZIP codes for homeowners insurance are in states that experience severe weather. The most expensive ZIP codes in Texas, Louisiana, Alabama, the Carolinas, and, of course, Florida all have coastal areas prone to catastrophic storms that are costly to insurers, who then pass that cost on to homeowners. Texas, Kansas, Oklahoma, Florida, Alabama, and Mississippi also have a lot of tornadoes.

The more claims insurers pay out for damage caused by wind, hail, and rain, the higher homeowners insurance costs will be for everyone. Take a look at the most expensive ZIP code in each state below.

Compare the most expensive ZIP codes for home insurance

Lowest homeowners insurance rates by ZIP code

ZIP code 96813 in Honolulu, Hawaii, has the lowest average homeowners insurance cost in the nation, but dozens of other Hawaii ZIP codes are also among the cheapest in the country. Why does Hawaii have such low home insurance rates? One factor is that standard home policies in Hawaii do not cover hurricane damage. Ever since Hurricane Iniki in 1992, homeowners in Hawaii must buy separate hurricane damage policies, per Michael Barry, chief communications officer of the Insurance Information Institute (III).

Hawaii is also one of the few states that don’t allow insurance companies to use credit ratings when pricing policies. Other locations on the cheapest list are low compared to the rest of the country, in part, because of the following factors:

• Few major weather-related losses
• Low crime rates
• Relatively few major liability lawsuits filed

Rural areas and cities with low population density typically have lower home insurance rates because rebuilding costs are more affordable.

Compare the least expensive ZIP codes for home insurance

Average cost of home insurance, broken down by state

Below, you can compare your state’s average home insurance costs to others nationwide. This homeowners insurance comparison by state shows average homeowners insurance for a $300,000 house (by dwelling coverage, not market value) with a $1,000 deductible.

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Homeowners insurance calculator: Estimate the cost of homeowners insurance

Average home insurance rates for recommended coverage

When your home's market value is less than its insurance value

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How much is homeowners insurance per month?

The average cost of homeowners insurance is $217 per month. However, rates vary significantly from state to state and city to city.

Home insurance monthly costs range from the highest in Oklahoma at $488 to the lowest in Hawaii at $51. 

Pay close attention to the fine print regarding deductibles. Insurers have been hard hit in the last few years, and some are now requiring percentage deductibles for certain risks, especially if you live in a coastal region, according to David Marlett, managing director of the Brantley Risk and Insurance Center and a distinguished professor of insurance at Appalachian State University.

These are usually separate deductibles and you would still have a regular flat-rate deductible on top of it.

“A wind/hurricane/named storm deductible of 2% to 5% is pretty common. It can certainly add up considering the value of coastal properties,” explains Dr. Marlett. “If you insure a home for $500,000 replacement cost and have a 5% ‘named storm’ deductible, the consumer pays the first $25,000 for losses from a tropical storm or hurricane.”

Dr. Marlett suggests homeowners get quotes from multiple companies and ask each insurer to provide a quote based on a $500, $1,000 or $2,500 deductible option. Comparing these can show how much you’ll save — or spend—based on the level of risk you’re comfortable with. A higher deductible usually means lower premiums, but make sure you could afford that amount out of pocket if you need to file a claim. And don’t forget to ask about any available discounts.

Average homeowners insurance costs by company

To give you an idea of which insurance companies in your area offer the lowest rate, below are the average annual premiums from top home insurers for an insurance policy with  coverage limits of:

• Dwelling coverage: $300,000
• Deductible: $1,000
• Liability: $300,000

*USAA is only available to military members and their families.

Average homeowners insurance costs by coverage level

We pulled together average home insurance rates from across the country, all based on a $1,000 deductible. Check out the table below to see how the price changes with different coverage amounts — there are 10 to compare.

Compare average home insurance rates by coverage level and state

Knowing how much coverage you need is a key step — now it’s time to see what that coverage might cost. In the table below, you can see how much it costs to insure a $400,000 replacement cost home in each state, based on $300,000 in liability coverage and a $1,000 deductible. 

What our expert says

Brenda WellsChair of the Department of Finance and Insurance at East Carolina University.

“Different geographic regions are susceptible to different causes of loss. For instance, we don’t tend to have hurricanes in the mid-Western United States, but we do have lots of tornadoes there.”

Factors that affect the cost of homeowners insurance 

Location plays a major role in the cost of homeowners insurance policies. Here’s what insurers consider related to location: 

• Weather — areas that experience more natural disasters will likely have higher premiums
• Population density
• Proximity to a fire department and fire hydrant
• Claims history for the area

Home insurance rates are also based on other factors, including:

• The age of your home
• The building materials your home was constructed with
• The claims history of your house
• Your credit history (except in California, Massachusetts and Maryland)
• Your marital status
• How much coverage you buy and the deductible you choose
• Home insurance discounts you qualify for

These details can significantly influence your premium, especially when it comes to your home’s age and construction.

“An old wood home is more flammable, and will thus cost more to insure than a brick home, which is more fire resistant. Newer homes tend to be more wind and fire resistant, though that can vary with the geographic region and building codes,” Wells says.

More specifically, each state has its own unique situation that may cause insurance rates to increase or drop. The frequency of severe weather and how home insurance covers damage from that weather can have a big impact on rates, as shown in the examples below.

Why home insurance is sky-high in some states — and surprisingly low in others

Home insurance costs can vary widely across the U.S., and weather is one of the biggest reasons why. States prone to tornadoes, hail, hurricanes or wildfires often see much higher premiums than those with milder climates. Here are a few examples of states at both ends of the spectrum — and the factors driving those differences.

Why Oklahoma has the highest home insurance rates in the U.S.

Oklahoma is the most expensive state in the country for homeowners insurance. It had 314 major hail events and 48 tornadoes in 2023, according to the National Oceanic and Atmospheric Administration’s Storm Prediction Center. Andrew Schallhorn, Deputy Commissioner of Financial Regulation and Chief Actuary for the Oklahoma Insurance Department, explains, “Homeowners rates in Oklahoma are high for many reasons including weather (tornados, hail, ice).”

High-risk weather pushes Kansas home insurance costs well above average

Kansas is part of the “Tornado Alley” — an area where destructive tornadoes are more likely to occur. Kansas had 39 tornados in 2023 and a total of 761 severe wind events. 

Besides tornadoes, hail damage is another reason home insurance rates are much more expensive in Kansas than in most other states. Kansas had 459 severe hail events in 2023.

Frequent storms push Nebraska home insurance 85% higher than average

Nebraska sees a range of severe weather, topping both aforementioned states for tornadoes in 2023 with a total of 81 tornadoes. The state also counted 486 severe hail events, including one in April of 2023, when hailstones of up to three inches in diameter were reported. And Nebraska also sees major winter storms that can bring serious damage.

Low risk keeps New Hampshire home insurance 53% under average

With only a small amount of coastline, New Hampshire’s mostly inland location insulates it from the hurricane damage many neighboring states see. In general, there is a low incidence of severe weather events, helping to keep home insurance rates low.

Why Hawaii homeowners pay 76% less for home insurance

Hawaii’s low home insurance rates are partly due to the fact that standard policies don’t cover hurricane damage. However, if you’re getting a mortgage, lenders typically require a separate hurricane insurance policy—so be sure to factor that into the total cost of coverage.

How to save on homeowners insurance

No matter where your home is, there are some ways you can save some money on your policy. 

Compare quotes. It’s a good idea to compare home insurance quotes from at least three companies every year. The insurer that’s best for you now might not be the best fit later—especially if your situation changes, like filing a claim or renovating your home. Even if nothing changes, shopping around regularly can help you make sure you’re still getting the best deal.

Ask about discounts. Insurance companies offer discounts for different situations, like first-time homeowners or upgrading your security system. You can also look into bundling your home and auto insurance. 

Raise your deductible. Depending on your insurance company and coverage, raising your home insurance deductible can reduce your payments by 20% and 40%. Make sure you can afford the deductible if you need to pay it.

Methodology

Insure.com compared homeowners insurance rates in 2024 provided by Quadrant Data Solutions for dwelling coverage ranging from $200,000 to $1,000,000 with liability limits of $100,000 and $300,000 and a deductible of $1,000 for all available ZIP codes. For state averages, a filter was used to remove rates over $10,000 a year; the purpose of this was to ensure that a few ZIP codes with excessively high rates did not skew the average.

ZIP codes were ranked based on the average rates for dwelling coverage of $300,000, liability coverage of $300,000, and a $1,000 deductible. A 2% hurricane deductible was included where applicable. For ZIP code-level data.

Barry Eitel

Contributing Researcher

 

 . .

Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio.

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