Home insurance may be an important part of your financial plan, but specific costs and coverage considerations change depending on where you live. Every state has different risks that impact insurance rates. To understand how home insurance rates can vary, Bankrate researched common causes of loss in each state and reviewed average premium data from Quadrant Information Services for both state and metro areas. We hope this state-specific information will help you feel more in control of your homeowners insurance policy.


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Homeowners insurance rates by state

The national average cost of homeowners insurance is $1,428 per year for $250,000 in dwelling coverage, but this cost could differ depending on which state you live in. Knowing both the national average and how the average rate of your state compares could be useful while shopping for home insurance, as you’ll have a few starting points when receiving back home insurance quotes. The map and table below show the average cost of homeowners insurance by state and percentage of income spent, giving a quick view of how your state compares to others.

We’ve also shared some of the common risks to homes and property in each state following the table. Keep in mind that while flooding is a concern in many states, flood insurance is not part of standard homeowners policies. If you live in an area at risk for flooding, you will need to purchase a separate flood insurance policy.

Average cost of homeowners insurance by state for $250,000 in dwelling coverage

State Average annual premium Average monthly premium Percent of median household income spent
Alabama $1,631 $136 2.48%
Alaska $1,056 $88 1.99%
Arizona $1,268 $106 1.49%
Arkansas $2,123 $177 2.67%
California $1,225 $102 1.50%
Colorado $2,152 $179 3.02%
Connecticut $1,244 $104 1.35%
Delaware $679 $57 1.09%
Florida $1,981 $165 3.05%
Georgia $1,394 $116 1.63%
Hawaii $382 $32 0.60%
Idaho $905 $75 1.26%
Illinois $1,410 $117 2.24%
Indiana $1,225 $102 1.89%
Iowa $1,318 $110 2.01%
Kansas $3,083 $257 5.51%
Kentucky $2,009 $167 3.69%
Louisiana $1,992 $166 3.27%
Maine $947 $79 1.04%
Maryland $1,164 $97 1.30%
Massachusetts $1,199 $100 1.92%
Michigan $1,527 $127 1.98%
Minnesota $1,930 $161 3.92%
Mississippi $1,900 $158 3.05%
Missouri $1,769 $147 3.04%
Montana $1,736 $145 2.67%
Nebraska $2,951 $246 4.55%
Nevada $889 $74 1.10%
New Hampshire $736 $61 0.85%
New Jersey $775 $65 1.42%
New Mexico $1,789 $149 2.31%
New York $1,506 $126 2.42%
North Carolina $1,294 $108 2.02%
North Dakota $1,900 $158 3.08%
Ohio $1,140 $95 2.06%
Oklahoma $3,659 $305 5.30%
Oregon $723 $60 1.07%
Pennsylvania $760 $63 1.02%
Rhode Island $1,233 $103 2.11%
South Carolina $1,172 $98 1.89%
South Dakota $2,105 $175 3.57%
Tennessee $1,755 $146 2.62%
Texas $1,967 $164 2.51%
Utah $696 $58 1.03%
Vermont $658 $55 0.72%
Virginia $887 $74 1.08%
Washington $948 $79 1.88%
Washington, D.C. $893 $74 0.79%
West Virginia $1,125 $94 1.68%
Wisconsin $890 $74 1.32%
Wyoming $1,631 $79 1.41%


Alabama’s geographic location makes it vulnerable to numerous strong storms. Tornadoes and hurricanes are relatively common, and parts of the state are vulnerable to widespread flooding. The likelihood of home damage in Alabama could be why its average homeowners insurance rates are higher than the national average.

  • Alabama city Average annual premium for $250K dwelling coverage
    Birmingham, Alabama $1,656
    Huntsville, Alabama $1,532
    Mobile, Alabama $1,699
    Montgomery, Alabama $1,449
    Tuscaloosa, Alabama $1,520


Alaska residents pay an average of $372 less per year for homeowners insurance than homeowners as a whole in the U.S. This may be due in part to the state’s low incidence of natural disasters. Wildfires, harsh winters and water damage due to frozen and burst pipes are among the common causes of home damage in Alaska.

  • Alaska city Average annual premium for $250K dwelling coverage
    Anchorage, Alaska $982
    Fairbanks, Alaska $1,091
    Juneau, Alaska $978
    Kenai, Alaska $1,013
    Wasilla, Alaska $1,057


The Grand Canyon State boasts some of the most breathtaking vistas in the country, but living in Arizona and owning a home means you should be aware of certain risks. Flash floods are common during monsoon season, which starts in June and continues through September. The state’s arid climate can also contribute to wildfires.

  • Arizona city Average annual premium for $250K dwelling coverage
    Chandler, Arizona $1,189
    Gilbert, Arizona $1,176
    Mesa, Arizona $1,272
    Phoenix, Arizona $1,335
    Tucson, Arizona $1,182


The Land of Opportunity comes with numerous risks to property. The state’s proximity to the New Madrid fault increases the risk for earthquakes, and several regions are prone to flooding. Tornadoes and high winds are also common.

  • Arkansas city Average annual premium for $250K dwelling coverage
    Conway, Arkansas $2,074
    Fort Smith, Arkansas $2,026
    Jonesboro, Arkansas $2,217
    Little Rock, Arkansas $2,087
    North Little Rock, Arkansas $2,028


The Golden State is known for its beauty and laid-back lifestyle, but California presents numerous risks to homes. Wildfires are a common occurrence, with the 10 most expensive wildfires in U.S. history all happening within California’s borders. Earthquakes are also an ever-present danger.

  • California city Average annual premium for $250K dwelling coverage
    Anaheim, California $1,159
    Long Beach, California $1,212
    Los Angeles, California $1,368
    Oakland, California $1,140
    Riverside, California $1,156


Strong storms frequently roll off the Rocky Mountains and through Colorado. Damage to roofs caused by hail storms can be expensive to repair and maintain. Tornadoes in the state are also fairly common, as are wildfires.

  • Colorado city Average annual premium for $250K dwelling coverage
    Arvada, Colorado $2,024
    Aurora, Colorado $2,201
    Colorado Springs, Colorado $2,149
    Denver, Colorado $2,170
    Westminster, Colorado $2,071


Connecticut’s coastal position puts much of the state at risk for flash flooding. Damage is also frequently caused by high winds, although tornadoes are relatively rare. Connecticut also tends to have a fairly wet climate, which could lead to water damage.

  • Connecticut city Average annual premium for $250K dwelling coverage
    Bridgeport, Connecticut $1,352
    Hartford, Connecticut $1,291
    Norwalk, Connecticut $1,541
    Stamford, Connecticut $1,144
    Waterbury, Connecticut $1,325


All three of Delaware’s counties are at an increased risk for flooding. While water damage from floods is one of the biggest concerns, other types of water damage may also occur in the state. High winds could damage your roof or siding and allow water inside, which could damage the interior of your home.

  • Delaware city Average annual premium for $250K dwelling coverage
    Bear, Delaware $614
    Dover, Delaware $661
    Middletown, Delaware $617
    Newark, Delaware $617
    Wilmington, Delaware $646


Florida is a notoriously tough market for homeowners insurance due to the state’s risk level. The Sunshine State’s long coastline and narrow shape mean that much of the state is at risk for hurricane damage, wind damage and flooding. Sinkholes are also a danger to Florida homes.

  • Florida city Average annual premium for $250K dwelling coverage
    Fort Lauderdale, Florida $2,073
    Hollywood, Florida $2,065
    Miramar Beach, Florida $1,822
    Pompano Beach, Florida $2,027
    West Palm Beach, Florida $1,839


The Peach State might not be the first place you think of for tornadoes, but Georgia is prone to these violent storms. And although only a portion of Georgia is coastal, hurricane damage is not uncommon. Parts of the state are also vulnerable to flood damage.

  • Georgia city Average annual premium for $250K dwelling coverage
    Atlanta, Georgia $1,424
    Augusta, Georgia $1,478
    Columbus, Georgia $1,522
    Macon, Georgia $1,393
    Savannah, Georgia $1,434


Hawaii boasts the nation’s cheapest home insurance, with an average premium of just $382 per year for $250,000 in dwelling coverage. That means Hawaii’s average price for home insurance comes in at $1,046 less than the national average. The biggest causes of home damage in the state include earthquakes, wildfires and floods.

  • Hawaii city Average annual premium for $250K dwelling coverage
    Hilo, Hawaii $385
    Honolulu, Hawaii $379
    Kailua, Hawaii $380
    Pearl City, Hawaii $380
    Waipahu, Hawaii $380


The Gem State is one of the riskiest states for wildfires, with over 300,000 acres burned in 2020. Idaho residents should also prepare for extreme weather conditions, including harsh winters and strong summer storms. Most counties in the state also have a moderate risk of flooding.

  • Idaho city Average annual premium for $250K dwelling coverage
    Boise, Idaho $875
    Caldwell, Idaho $880
    Idaho Falls, Idaho $901
    Meridian, Idaho $822
    Nampa, Idaho $863


The Land of Lincoln is one of the riskiest states for both hail damage and tornadoes, which often occur from the same storm. Water damage from both summer and winter storms may also be common. And in larger metropolitan areas like Chicago, burglary and vandalism may be higher risks.

  • Illinois city Average annual premium for $250K dwelling coverage
    Chicago, Illinois $1,570
    Joliet, Illinois $1,352
    Peoria, Illinois $1,326
    Rockford, Illinois $1,328
    Springfield, Illinois $1,323


Homeowners in the Hoosier State should be ready for hail damage, as Indiana ranked third for the most properties affected by hail, as reported by Verisk’s 2021 hail risk report. The state also experiences relatively frequent water damage from summer storms, heavy snows and water backup.

  • Indiana city Average annual premium for $250K dwelling coverage
    Carmel, Indiana $1,193
    Evansville, Indiana $1,219
    Fishers, Indiana $1,197
    Indianapolis, Indiana $1,319
    South Bend, Indiana $1,169


The Western part of Iowa is in what was historically known as “Tornado Alley,” an area of the United States especially prone to tornadoes, so wind damage is fairly common. Water damage from strong summer storms can also occur. Additionally, much of Iowa has a high risk of flooding.

  • Iowa city Average annual premium for $250K dwelling coverage
    Cedar Rapids, Iowa $1,198
    Davenport, Iowa $1,198
    Des Moines, Iowa $1,345
    Iowa City, Iowa $1,224
    Sioux City, Iowa $1,434


The Sunflower State is one of the most expensive areas in the country for home insurance. Residents pay an average of $3,083 per year for $250,000 in dwelling coverage, which is over twice as much as the national average. The high cost of insurance in Kansas is likely due to the state’s risk level. It’s one of the most risky places in the country for tornadoes and hail damage.

  • Kansas city Average annual premium for $250K dwelling coverage
    Kansas City, Kansas $2,878
    Lawrence, Kansas $2,943
    Manhattan, Kansas $2,875
    Topeka, Kansas $2,839
    Wichita, Kansas $3,386


Kentucky experiences strong summer storms that can cause damage from wind, hail and water. One of the biggest risks in the state is flood damage, with a large number of counties at a higher-than-average risk level. The western corner of the state is also at risk for earthquakes.

  • Kentucky city Average annual premium for $250K dwelling coverage
    Bowling Green, Kentucky $2,001
    Elizabethtown, Kentucky $1,904
    Hopkinsville, Kentucky $2,092
    Louisville, Kentucky $1,964
    Owensboro, Kentucky $1,922


Louisiana’s coastal position puts it at risk for widespread hurricane damage. Hurricane Katrina was the costliest hurricane in U.S. history and caused devastating damage to New Orleans and surrounding areas. Tornadoes are also common in the state, with 50 reported in 2021.

  • Louisiana city Average annual premium for $250K dwelling coverage
    Lafayette, Louisiana $1,862
    Lake Charles, Louisiana $2,001
    New Iberia, Louisiana $2,253
    Slidell, Louisiana $2,175
    Sulphur, Louisiana $2,022


High winds are a common cause of home damage in Maine, and when coupled with rain or snow, they can cause water damage. Parts of the state are also at a higher-than-average risk of flood damage. Maine is heavily forested and is also at risk for wildfires.

  • Maine city Average annual premium for $250K dwelling coverage
    Auburn, Maine $912
    Bangor, Maine $901
    Lewiston, Maine $908
    Portland, Maine $944
    South Portland, Maine $909


Flooding is a big concern for most areas of Maryland, due to the long coastline of the Chesapeake Bay. Maryland also tends to be relatively rainy, which could lead to water backing up in sewers and drain lines — a common type of water damage that usually requires a home insurance endorsement.

  • Maryland city Average annual premium for $250K dwelling coverage
    Baltimore, Maryland $1,224
    Ellicott City, Maryland $1,088
    Glen Burnie, Maryland $1,136
    Silver Spring, Maryland $1,142
    Waldorf, Maryland $1,212


The Bay State sees a wide variety of weather systems. Coastal areas are prone to high winds, and the entire state has a higher-than-average risk of flooding. The state also faces harsh winters, so water damage caused by freezing and bursting pipes is a common risk.

  • Massachusetts city Average annual premium for $250K dwelling coverage
    Cambridge, Massachusetts $1,092
    Lowell, Massachusetts $1,204
    Quincy, Massachusetts $1,160
    Springfield, Massachusetts $1,169
    Worcester, Massachusetts $1,162


The Great Lakes State offers homeowners unparalleled natural beauty, but residents should be aware of the potential risks of living there. Counties in the southeast corner of Michigan have a high flood risk. Winters can be brutal, especially in the northern portion of the state and the Upper Peninsula.

  • Michigan city Average annual premium for $250K dwelling coverage
    Dearborn Heights, Michigan $1,551
    Detroit, Michigan $1,557
    Flint, Michigan $1,699
    Warren, Michigan $1,622
    Westland, Michigan $1,495


Minnesota recorded 37 tornadoes in 2021, according to the Triple-I. Hail damage is also common. Additionally, heavy snowfalls can present a danger to homes and other structures. The southwest portion of the state sees an average of 36 inches of snow per year, while the Lake Superior “snowbelt” can get more than 70 inches in a season.

  • Minnesota city Average annual premium for $250K dwelling coverage
    Duluth, Minnesota $1,794
    Lakeville, Minnesota $1,984
    Minneapolis, Minnesota $2,028
    Rochester, Minnesota $1,764
    St. Paul, Minnesota $1,971


The Magnolia State is not officially in Tornado Alley, but it was one of the worst states for tornadoes in 2021, with 92 confirmed touchdowns. The state’s southern coastal position also puts it at risk for hurricane damage.

  • Mississippi city Average annual premium for $250K dwelling coverage
    Greenville, Mississippi $1,773
    Hattiesburg, Mississippi $1,945
    Jackson, Mississippi $2,057
    Meridian, Mississippi $1,759
    Tupelo, Mississippi $1,700


Much of Missouri is at risk for widespread flooding, including the southern and western parts of the state, which also carry a high risk for earthquake damage. Counties that border the Mississippi River also have an increased flood risk. Additionally, strong summer storms often spawn tornadoes; the state had 50 touchdowns in 2021.

  • Missouri city Average annual premium for $250K dwelling coverage
    Columbia, Missouri $1,637
    Independence, Missouri $1,845
    Kansas City, Missouri $1,939
    Springfield, Missouri $1,811
    St. Louis, Missouri $1,760


Big Sky Country is beautiful, but that beauty comes at a price. Montana recorded over 2,573 wildfires in 2021, ranking it as the fourth-worst state in the country for number of blazes. Nearly 748,000 acres of land were burned. The western part of the state is also seismically active, so earthquake damage may be a concern.

  • Montana city Average annual premium for $250K dwelling coverage
    Bozeman, Montana $1,587
    Butte, Montana $1,645
    Columbus, Montana $1,916
    Great Falls, Montana $1,774
    Helena, Montana $1,632


Summers can be rough in Nebraska. The state ranks as one of the worst for hail, which can damage a home’s exterior and can lead to interior water damage. Strong storms can bring high winds, tornadoes and flash floods.

  • Nebraska city Average annual premium for $250K dwelling coverage
    Bellevue, Nebraska $2,860
    Fremont, Nebraska $2,929
    Grand Island, Nebraska $3,041
    Kearney, Nebraska $3,176
    Omaha, Nebraska $2,975


Flooding can be common in Nevada, especially in the southwest corner. The western portion of the state also has a relatively high risk of earthquake activity. Nevada residents may also have to endure extreme heat, which can pose a threat to health. If the power goes out during a heat wave, extreme heat can also lead to food spoilage.

  • Nevada city Average annual premium for $250K dwelling coverage
    Carson City, Nevada $877
    Henderson, Nevada $884
    North Las Vegas, Nevada $911
    Reno, Nevada $828
    Sparks, Nevada $863

New Hampshire

New Hampshire residents pay far less than the national average for homeowners insurance, which could be due to the state’s relatively safe nature. Parts of the state have a higher-than-average risk of flooding, and winters can be cold and snowy, which can cause exterior and interior home damage.

  • New Hampshire city Average annual premium for $250K dwelling coverage
    Concord, New Hampshire $737
    Dover, New Hampshire $741
    Manchester, New Hampshire $723
    Nashua, New Hampshire $686
    Rochester, New Hampshire $743

New Jersey

New Jersey residents are likely familiar with the state’s high risk for flood damage. After Superstorm Sandy in 2012, two million households lost power and nearly 350,000 homes were damaged. Although located on the eastern seaboard of the United States and far from the nation’s most wildfire-prone areas, the coastal state also recorded nearly 906 wildfires in 2021 according to the Insurance Information Institute (Triple-I), burning almost 7,000 acres of land.

  • New Jersey city Average annual premium for $250K dwelling coverage
    Edison, New Jersey $717
    Elizabeth, New Jersey $788
    Jersey City, New Jersey $865
    Lakewood, New Jersey $866
    Paterson, New Jersey $861

New Mexico

Flash floods are a concern in the arid climate of New Mexico. The dry earth doesn’t absorb rain fast enough to prevent runoff, which can accumulate and pose a danger. Tornadoes are also a moderate concern, and parts of the state are at an elevated risk for earthquakes.

  • New Mexico city Average annual premium for $250K dwelling coverage
    Belen, New Mexico $1,756
    Deming, New Mexico $1,653
    Jarales, New Mexico $1,791
    Moriarty, New Mexico $1,693
    Peralta, New Mexico $1,755

New York

Many counties in New York have a higher-than-average risk of flooding, especially in the southern and eastern parts of the state. Wildfires are also moderately common, with 137 recorded in 2021 according to the Triple-I. In the densely populated New York City, vandalism, burglary and identity theft may also be more likely.

  • New York city Average annual premium for $250K dwelling coverage
    Bayside, New York $1,494
    Deer Park, New York $1,628
    Hempstead, New York $1,495
    Plainview, New York $1,394
    West Hempstead, New York $1,454

North Carolina

Eastern North Carolina is a prime target for hurricane damage. Hurricane Florence slammed into the state in September 2018, killing 42 people and causing over $16 billion in damages. Additionally, wildfires burned nearly 26,000 acres of land and the state reported 19 tornadoes in 2021.

  • North Carolina city Average annual premium for $250K dwelling coverage
    Charlotte, North Carolina $1,256
    Durham, North Carolina $1,385
    Greensboro, North Carolina $1,237
    Raleigh, North Carolina $1,401
    Winston Salem, North Carolina $1,204

North Dakota

The Peace Garden State has some of the harshest winters in the U.S. The state has an average of 50 days of below-zero Fahrenheit temperatures each year, which could lead to frozen and burst pipes and subsequent water damage. The eastern part of North Dakota also carries a higher-than-average risk of flooding.

  • North Dakota city Average annual premium for $250K dwelling coverage
    Bismarck, North Dakota $2,021
    Fargo, North Dakota $1,763
    Grand Forks, North Dakota $1,720
    Minot, North Dakota $1,775
    West Fargo, North Dakota $1,701


Buckeye State residents, especially in southern and central counties, should be aware of the higher risk of flooding. Ohio also has its fair share of tornadoes spawned by strong summer storms; 37 were recorded in 2021 according to Triple-I.

  • Ohio city Average annual premium for $250K dwelling coverage
    Akron, Ohio $1,078
    Cincinnati, Ohio $1,140
    Cleveland, Ohio $1,196
    Columbus, Ohio $1,157
    Toledo, Ohio $1,174


Oklahoma is the most expensive state in the country for homeowners insurance according to rates from Quadrant Information Services, with an average annual premium of $3,659 for $250,000 in dwelling coverage, over 150 percent more than the national average. Tornadoes and strong winds are common in the state, as is seismic activity in certain areas. Eastern Oklahoma is also at risk for widespread flooding.

  • Oklahoma city Average annual premium for $250K dwelling coverage
    Edmond, Oklahoma $3,993
    Lawton, Oklahoma $3,559
    Norman, Oklahoma $3,939
    Oklahoma City, Oklahoma $4,148
    Tulsa, Oklahoma $3,316


The Beaver State boasts relatively low average home insurance premiums, but Oregon is not without its risks to homes and property. The 2021 wildfire season saw over 2,202 individual fires which burned more than 829,000 acres, based on data reported by the Triple-I. Western Oregon also has a high risk for earthquakes, which fades to a moderate risk in the central part of the state and a low risk to the east.

  • Oregon city Average annual premium for $250K dwelling coverage
    Beaverton, Oregon $650
    Eugene, Oregon $680
    Gresham, Oregon $708
    Portland, Oregon $686
    Salem, Oregon $700


Flooding can be a common issue in Pennsylvania, with much of the state at a higher-than-average risk level. Wildfires and heavy snow storms also present a risk, although a lower risk than in other states. In larger cities like Philadelphia, vandalism and theft may be a concern.

  • Pennsylvania city Average annual premium for $250K dwelling coverage
    Abington, Pennsylvania $793
    Bensalem, Pennsylvania $903
    Erie, Pennsylvania $775
    Pittsburgh, Pennsylvania $771
    Scranton, Pennsylvania $780

Rhode Island

Rhode Island is the smallest state in the nation. The entire state carries a moderate-to-severe risk of flooding, depending on the county, due to its coastal position. Hurricanes and tropical storms that travel up the East Coast are also likely to impact Rhode Island.

  • Rhode Island city Average annual premium for $250K dwelling coverage
    Cranston, Rhode Island $1,260
    East Providence, Rhode Island $1,24
    Pawtucket, Rhode Island $1,218
    Providence, Rhode Island $1,329
    Warwick, Rhode Island $1,322

South Carolina

The majority of South Carolina has a moderate risk for earthquake damage, while the coast carries a high risk. Hurricanes are also a danger to the state, as is flooding. Additionally, South Carolina sees its fair share of tornadoes, with 24 twisters confirmed in 2021 as reported by the Triple-I.

  • South Carolina city Average annual premium for $250K dwelling coverage
    Charleston, South Carolina $1,245
    Columbia, South Carolina $1,111
    Greenville, South Carolina $1,161
    Mount Pleasant, South Carolina $1,267
    North Charleston, South Carolina $1,235

South Dakota

South Dakota is a land of extremes. Summers can be blazing hot and winters can be intensely cold. Homeowners may face strong summer storms including high winds and tornadoes. Winter can bring frigid temperatures that could easily freeze and burst pipes, leading to interior water damage.

  • South Dakota city Average annual premium for $250K dwelling coverage
    Aberdeen, South Dakota $1,942
    Brookings, South Dakota $2,008
    Rapid City, South Dakota $2,311
    Sioux Falls, South Dakota $1,966
    Watertown, South Dakota $1,995


Tornadoes are a threat in Tennessee, especially in spring and summer months. The state saw 66 twisters in 2021, according to Triple-I data, which killed 4 people. Parts of the Volunteer State also have a moderate or high risk of flooding, and the western part of Tennessee carries a high earthquake risk.

  • Tennessee city Average annual premium for $250K dwelling coverage
    Chattanooga, Tennessee $1,576
    Clarksville, Tennessee $1,664
    Knoxville, Tennessee $1,757
    Memphis, Tennessee $1,911
    Nashville, Tennessee $1,620


Tornadoes and wildfires are a present threat for those living in the Lone Star State, as shown by data from the Triple-I. In 2021, Texas had the most tornadoes of any state, with 118 tornadoes recorded. In the same year, Texas also came in second for the most recorded wildfires, with 5,576.


Utah is one of the cheapest states for homeowners insurance, with an average annual premium that is $732 cheaper than the national average for $250,000 in dwelling coverage. The state is relatively protected from many natural disasters, but the southern and southeastern parts of the state do have a high flood risk. Parts of the state also experience extreme heat and strong winter storms.

  • Utah city Average annual premium for $250K dwelling coverage
    Orem, Utah $692
    Provo, Utah $691
    Salt Lake City, Utah $702
    West Jordan, Utah $671
    Woods Cross, Utah $655


Vermont homeowners enjoy the second-cheapest average home premium in the country. The low average premium reflects the state’s relatively low risk level, but damage does happen. The Triple-I reports that the state had 90 wildfires in 2021. Considering the state’s small size, wildfires may be a decent risk. Much of the state also has a moderate-to-high flood risk.

  • Vermont city Average annual premium for $250K dwelling coverage
    Burlington, Vermont $648
    Hartland, Vermont $653
    Montpelier, Vermont $658
    Rutland, Vermont $676
    South Burlington, Vermont $614


A swath of Virgina, running southwest to northeast, is at a high risk for flood damage. Hurricanes can also impact the coastal areas of the state. In fact, nearly 400,000 homes in Virginia Beach are at risk of storm surge damage and nearly 580,000 are at risk for hurricane wind damage.

  • Virginia city Average annual premium for $250K dwelling coverage
    Alexandria, Virginia $848
    Arlington, Virginia $828
    Lynchburg, Virginia $886
    Richmond, Virginia $963
    Roanoke, Virginia $850


The Evergreen State boasts low average homeowners insurance premiums when compared to the national average. However, living in Washington — especially near the Pacific Coast — means you are at a higher risk for earthquake damage due to the Cascadia Subduction Zone. The state’s high level of rainfall could also contribute to water damage.

  • Washington city Average annual premium for $250K dwelling coverage
    Bellevue, Washington $908
    Seattle, Washington $932
    Spokane, Washington $893
    Tacoma, Washington $1,008
    Vancouver, Washington $873

Washington, D.C.

The Federal Emergency Management Agency (FEMA) has declared 22 disasters in the D.C. area since 1953. These include nine severe storms, six hurricanes and three winter events. Although the area has a low risk for earthquakes, a 5.8 magnitude quake in Virginia in 2011 did impact the nation’s capital. The earthquake caused an estimated $20 million in damage to the National Cathedral and cracked the Washington Monument.

Average annual premium for $250K dwelling coverage
Washington, D.C. $893

West Virginia

Most counties in West Virginia have a higher-than-average risk of flooding. Although West Virginia isn’t coastal, the state is close enough to the East Coast to feel the impact of hurricanes and tropical storms that move north. Additionally, the Triple-I reported that over 752 wildfires were recorded in 2021.

  • West Virginia city Average annual premium for $250K dwelling coverage
    Charleston, West Virginia $1,108
    Huntington, West Virginia $1,232
    Parkersburg, West Virginia $1,087
    Weirton, West Virginia $1,083
    Wheeling, West Virginia $1,040


Sinkholes are relatively common in parts of Wisconsin, especially in the western region of the state due to the soft limestone beneath the surface. While sinkholes tend to be small compared to other states, even a small sinkhole could cause significant damage to structures. Southern Wisconsin is also particularly prone to flooding, and the entire state faces cold winters that can freeze and burst pipes.

  • Wisconsin city Average annual premium for $250K dwelling coverage
    Green Bay, Wisconsin $801
    Kenosha, Wisconsin $868
    Madison, Wisconsin $823
    Milwaukee, Wisconsin $913
    Racine, Wisconsin $860


Much of Wyoming has a moderate earthquake risk and parts of the western portion of the state are at a high risk. Wildfires are also a risk in the state. Only 540 were recorded in 2021, a relatively low number when compared to other Western states. However, those fires burned over 53,000 acres of land, making the risk a significant one to still consider.

  • Wyoming city Average annual premium for $250K dwelling coverage
    Casper, Wyoming $1,006
    Douglas, Wyoming $914
    Gillette, Wyoming $1,055
    Sheridan, Wyoming $854
    Torrington, Wyoming $1,056

Frequently asked questions

    • Several factors impact home insurance rates, such as square footage, claims history, age of the dwelling, ZIP code, age of the roof and more. Aside from California, Maryland and Massachusetts, where it is prohibited, your credit history may also be a rating factor that can increase or decrease your home insurance premium. The dwelling amount needed to insure your home, as well as any optional coverage types you choose, can all play a role in determining your final premium amount.

      Learn more: How to estimate the cost of your home insurance

    • Shopping around to get quotes from several different carriers might help you find the coverage you need at the most competitive price. Additionally, many insurance companies have discounts that may help you save. Bundling your auto and home policies is a popular discount, but you might also save for having a new roof, installing damage mitigation features like hurricane shutters, being claims-free and having home safety devices like an alarm system.
    • Home insurance is not legally required in any state or in Washington, D.C. However, homeowners with mortgages or other types of home loans will likely have to carry home insurance as a requirement of their loan. Even if you aren’t required to buy a policy, most financial experts recommend purchasing home insurance to protect one of your most significant financial assets. Since liability coverage is also part of home insurance, it may also help protect your financial future if someone gets hurt on your property and you are found negligent.
    • The five most expensive states for home insurance are Oklahoma, Nebraska, Kansas, Kentucky and Arkansas. One risk factor all these states have in common is that they are more prone to tornadoes. Oklahoma, Nebraska and Kansas are at the heart of Tornado Alley. Arkansas and Kentucky are part of the Dixie Alley. According to the National Weather Service, tornado activity in Dixie Alley has increased over the past few years, with climate change pushing tornado activity toward the southeast.


Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.