Average homeowners insurance cost by ZIP code in 2026

After looking at 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 $212 per month 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. 

But, policy costs can vary by location. For example, we found that the cheapest ZIP code for home insurance is 5404 in Winooski, Vermont, where rates average just $963 per year. On the flip side, the most expensive is 33149 in Key Biscayne, Florida,  with a staggering $19,963 annual premium.

To get the best deal on coverage, you should get quotes from at least three to five insurers. Comparing rates is the easiest way to find solid coverage at the right price.

How much is homeowners insurance in your ZIP code?

The calculator below can help you estimate average rates in your area, so you have a clearer idea of what homeowners insurance might cost where you live.

Average homeowners insurance premiums by ZIP code and city

Homeowners insurance premiums vary 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 5404 in Winooski, Vermont, at an average annual rate of $963.

Below, you’ll find rankings of the most and least expensive ZIP codes for home insurance. All rates are based on the following coverage level:

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

Highest homeowners insurance rates by ZIP code

ZIP code 33149 — Key Biscayne, Florida — has the highest homeowners insurance rates in our data. This is due to its coastal location, elevated exposure to hurricanes and flooding, dense traffic patterns and Florida’s overall high insurance costs driven by no-fault laws and claim frequency.

Other high-cost ZIP codes include 70041 — Buras, Louisiana — and 77586 — Seabrook, Texas. Both areas face a higher risk of severe hurricanes and storms, which helps drive up homeowners insurance costs.

The more claims insurers pay out for damage caused by wind, hail, and rain, the higher homeowners insurance costs will be for everyone. The table below highlights the 10 zip codes with the highest average annual premiums:

Lowest homeowners insurance rates by ZIP code

ZIP code 5404 — Winooski, Vermont — has the lowest average annual homeowners insurance cost in our data. Vermont tends to have lower premiums overall, thanks to fewer natural disasters and a lower rate of insurance claims.

The table below highlights the ZIP codes with the lowest average annual premiums.

Average cost of homeowners 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.

How much is homeowners insurance per month?

The average cost of homeowners insurance is $212 per month, but what you pay can look very different depending on where you live. Rates vary widely by state and even by city, driven by factors like weather risk, rebuilding costs, and local claim trends.

Monthly home insurance costs range from $595 in Florida — where hurricanes and severe storms are a constant risk — to $55 in Hawaii, where claims are less frequent and risks are more predictable.

The table below shows average monthly homeowners insurance costs by state, listed from the most expensive to the least expensive. It gives you a quick way to see how your state compares — and how much location alone can affect what you pay.

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 rates 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

Average homeowners insurance rates 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 homeowners 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. 

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

Homeowners insurance costs can look wildly different depending on where you live, and it’s not random. Insurers price policies based on risk — including how often homes in an area are damaged and how expensive those claims tend to be. Weather plays a major role, which is why states that see frequent hurricanes, tornadoes, hail, or winter storms usually have higher premiums, while states with fewer severe weather events often cost less to insure.

States where home insurance tends to cost less

These states generally face fewer severe weather events, which helps keep insurance claims — and premiums — lower.

Vermont

• Fewer major natural disasters
• Lower risk of hurricanes, wildfires, and earthquakes
  

New Hampshire

• Limited coastline reduces hurricane exposure
• Less severe weather overall

States where home insurance tends to cost more

In these states, insurers face higher risks and more frequent claims, which often translates into higher premiums for homeowners.

Florida

• Regular hurricanes and storm surge
• Higher insurance and reinsurance costs
  

Kansas

• Frequent tornadoes, hail, and severe wind
  

Nebraska

• Even more tornado activity
• Severe hail and winter storms
  

Home insurance prices are closely tied to risk. When insurers expect more frequent or costly claims, premiums rise — and when risks are lower, coverage tends to be more affordable.

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 analyzed 2025 homeowners insurance rates using data from Quadrant Data Solutions. The study examined policies with $300,000 in dwelling coverage, $300,000 in liability coverage, and a $1,000 deductible across all available ZIP codes in all 51 states.

The analysis included 75 company groups representing 134 insurers and was based on nearly 38 million individual insurance quotes. The national average premium, excluding hurricane deductibles, was $2,543.

ZIP codes were ranked using average rates for policies that included:

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

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