Average homeowners insurance cost by ZIP code

Homeowners pay an average of $212 a month nationally, based on $300,000 in dwelling coverage, personal liability, and a $1,000 deductible, drawn from rates across all 50 states and hundreds of cities down to the ZIP code.

That average hides a lot of variation, though. The cheapest ZIP code is 5404 in Winooski, Vermont, averaging just $963 a year, while the most expensive is 33149 in Key Biscayne, Florida, at $19,963 a year. Rates differ this much because insurers price risk by location — hurricane, flood, and wildfire exposure, rebuilding costs, and even proximity to a fire hydrant or station can all move your premium, sometimes even between ZIP codes in the same state.

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

Estimate what coverage costs in your area

Use the calculator below to get an estimate, not a final quote, based on your ZIP code and coverage choices.

1. Enter your ZIP code to pull rate data specific to your area
2. Set your dwelling coverage based on your home’s estimated replacement cost
3. Choose your liability coverage limit
4. Set your deductible, the amount you pay out of pocket before insurance covers a claim
5. Hit calculate to see the average rate in your area, along with a list of the most and least expensive insurers near you

How much is homeowners insurance in your ZIP code?

Homeowners insurance premiums average $212 a month nationally, but your exact ZIP code can push that number up or down significantly. If you live in 5404 Winooski, Vermont — you’re paying only $963. But if you’re settling down in 33149, Key Biscayne, Florida — you’re looking at a massive bill of $19,963 per year.

Location determines the risks most likely to result in a claim, and the more severe and common those risks are, the more you’re likely to pay. Local building material and labor costs factor in too. 

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

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:

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

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 more claims insurers pay out for wind, hail, and rain damage, the higher premiums become for everyone in the area. The table below highlights 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 has 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 an average of $212 a month nationwide, or $2,545 a year. That figure hides a huge range, though — Hawaii averages as little as $55 a month, or $659 a year, while Florida can reach $595 a month, over $7,136 a year. 

Here’s what influences your state’s rate:

• 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 premiums across all 50 states.

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.

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 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 73 company groups representing 134 insurers and was based on nearly 74 million individual insurance quotes. The national average premium, excluding hurricane deductibles, was $2,765.

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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