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?

Homeowners insurance costs vary widely by ZIP code — from as low as $963 per year in Winooski, Vermont (05404) to nearly $19,963 in Key Biscayne, Florida (33149). 

Use the calculator below to estimate average rates in your area and see how your location impacts what you pay.

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.

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

Which ZIP codes have the highest homeowners insurance rates?

The ZIP code with the highest homeowners insurance rates in the U.S. is 33149 in Key Biscayne, Florida, driven by its coastal location, high hurricane and flood exposure, and Florida’s already elevated insurance costs from claim frequency and no-fault laws.

Other high-cost ZIP codes include:

• 70041 — Buras, Louisiana: Sits in a high-risk hurricane corridor, making severe storm damage a frequent and costly reality for insurers
• 77586 — Seabrook, Texas: Faces significant exposure to hurricanes and tropical storms rolling in from the Gulf Coast

The pattern across all high-cost ZIP codes is consistent — the more claims insurers pay out for wind, hail, and rain damage, the higher premiums become for everyone in the area. The table below highlights the 10 ZIP codes with the highest average annual premiums.

Which ZIP codes have the lowest homeowners insurance rates?

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.

How much does homeowners insurance cost by state?

Homeowners insurance costs range from $659 per year in Hawaii to over $7,136 in Florida, with most states falling between $1,300 and $4,000 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible. The gap between the cheapest and most expensive states comes down to a few key factors:

• Weather and natural disaster risk: States prone to hurricanes, tornadoes, or wildfires consistently pay more
• Rebuilding costs: Local labor and material costs directly affect what insurers charge to replace a damaged home
• Claim frequency: The more claims filed in an area, the higher premiums tend to be for everyone

The table below compares average homeowners insurance costs across all 50 states.

How much is homeowners insurance per month?

Homeowners insurance costs an average of $212 per month nationwide, but your monthly premium depends heavily on where you live:

• Low-risk states like Hawaii average as little as $55 per month
• High-risk states like Florida can reach $595 per month, driven by hurricanes and severe storm exposure
• Most states fall somewhere between $108 and $333 per month

The two biggest factors that push monthly costs higher are natural disaster frequency and local rebuilding costs. States with both tend to sit well above the national average. The table below shows average monthly premiums by state, from most to least expensive.

Which companies have the cheapest homeowners insurance rates?

Rates vary significantly between insurers, but some consistently come in below the national average. Allstate averages around $2,049 per year and Travelers comes in at approximately $2,235 — both well below what many competitors charge.

That said, the cheapest company nationally isn’t always the cheapest for your specific home and location. Where you live, your home’s age, and its construction all influence what you’ll actually pay — which is why comparing quotes matters more than picking a name.

The table below shows average annual premiums from the top home insurance companies, based on $300,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible.

How does coverage level affect homeowners insurance costs?

Homeowners insurance costs increase as coverage levels rise, with average premiums ranging from about $1,932 per year for $200,000 in dwelling coverage to over $6,700 for $1 million policies. Higher liability limits also add to the cost, but the increase is usually smaller compared to dwelling coverage.

Compare average homeowners insurance rates by coverage level and state

Homeowners insurance costs vary significantly by state even at the same coverage level, ranging from about $844 per year in Hawaii to over $9,200 in Florida for a $400,000 home. States like Colorado also see higher premiums due to severe weather risks, showing how location heavily impacts what you pay.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 factors affect the cost of homeowners insurance?

Your premium comes down to two things: where your home is and what it’s made of. Here’s what insurers look at when setting your rate.

Location factors

• Weather and disaster risk: Areas prone to hurricanes, tornadoes, or wildfires consistently pay more
• Claims history: The more claims filed in your area, the higher premiums tend to be for everyone
• Population density: More densely populated areas can mean higher liability exposure
• Proximity to a fire department or hydrant: Homes closer to fire services are cheaper to insure

Home factors

• Age and construction: Older wood homes are more flammable and costly to insure than newer brick homes, which tend to be more fire and wind resistant
• Your home’s claims history: Previous claims on the property can raise your rate
• Coverage level and deductible: Higher coverage limits raise your premium; a higher deductible lowers it
• Credit history: Used by most insurers to assess risk, except in California, Massachusetts, and Maryland
• Discounts you qualify for: Safety features, bundling, and loyalty discounts can all bring costs down

Each state also has its own risk profile that can push rates up or down — particularly when it comes to severe weather frequency and how policies respond to that damage.

What makes home insurance rates higher in certain states?

The biggest driver of high homeowners insurance rates is natural disaster exposure. States with frequent severe weather generate more claims, which pushes premiums up for everyone in the area.

States with the highest rates tend to share a few common traits:

• Florida: Hurricanes, storm surge, and one of the highest claim frequencies in the country drive costs well above the national average
• Kansas and Nebraska: Sitting in Tornado Alley means frequent hail, wind, and tornado damage year-round
• Oklahoma: Hit by 152 tornadoes in 2024 alone, making it the most expensive state for home insurance
• Louisiana and Texas: Gulf Coast exposure to hurricanes and tropical storms keeps rates consistently high

States with the lowest rates tend to face far fewer catastrophic events:

• Hawaii: Despite its remote location, hurricanes rarely make landfall, keeping risk — and premiums — low
• Vermont and New Hampshire: Limited exposure to hurricanes, wildfires, and severe storms means fewer claims and more affordable coverage
• Ohio and Utah: Inland locations with relatively mild weather help keep rates below the national average

The less your state is exposed to catastrophic weather, the less insurers pay out — and the lower your premium tends to be.

How to lower your homeowners insurance costs

Comparing quotes is the single most effective way to lower your home insurance costs — but it’s far from the only option. Here are the most impactful ways to reduce what you pay:

• Compare quotes annually: Rates change, and the insurer that was cheapest last year may not be today. Get quotes from at least three companies every year, especially after a major life change like a renovation or a claim
• Ask about discounts: Most insurers offer savings for things you may already have — security systems, smoke detectors, storm shutters, or simply bundling your home and auto policies together
• Raise your deductible: Increasing your deductible can reduce your premium by 20% to 40%, depending on your insurer and coverage level — just make sure you have enough saved to cover it if you need to file a claim
• Reinforce your home: Making your home more resistant to local risks — like adding hurricane straps or a impact-resistant roof — can qualify you for additional discounts in high-risk states
• Maintain a clean claims history: Avoiding small claims where possible helps keep your record clean, which insurers reward with lower rates over time

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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