In short
In 2022, the median premium per homeowners policy across US ZIP Codes was $1,551 a year, +5.7% on 2018 for the typical ZIP Code (Treasury Federal Insurance Office, NAIC data on the main HO-3 and HO-5 policies). It was highest in Florida ($3,211), Colorado ($2,538), Oklahoma ($2,525) and lowest in Pennsylvania ($1,015), Utah ($1,041), Nevada ($1,077). Premiums rose most from 2018 to 2022 in California (+21.2%), Colorado (+20.9%), South Dakota (+20.7%).
The 50 states and DC
| State | Premium per policy, 2022 | 2018 | Change | Nonrenewal rate, 2022 | ZIP Codes |
|---|---|---|---|---|---|
| Florida | $3,211 | $3,845 | -12.5% | 0.36% | 560 |
| Colorado | $2,538 | $2,100 | +20.9% | 1.09% | 419 |
| Oklahoma | $2,525 | $2,424 | +4% | 0.66% | 423 |
| Louisiana | $2,438 | $2,307 | +6.6% | 1.05% | 337 |
| Nebraska | $2,434 | $2,190 | +13.8% | 2.3% | 288 |
| Kansas | $2,289 | $2,175 | +5.2% | 1.34% | 414 |
| Texas | $2,249 | $2,196 | +3.1% | not reported | 1,510 |
| Hawaii | $2,136 | $1,956 | +11.1% | 0.28% | 25 |
| Rhode Island | $2,001 | $1,928 | +6.2% | 1.15% | 74 |
| Missouri | $1,989 | $1,813 | +10% | 1.41% | 701 |
| North Dakota | $1,930 | $1,793 | +8% | 0.77% | 88 |
| Mississippi | $1,921 | $1,870 | +3.5% | 1.25% | 333 |
| Connecticut | $1,908 | $1,919 | +0.2% | 0.9% | 263 |
| Minnesota | $1,858 | $1,604 | +13% | 0.44% | 688 |
| Alabama | $1,857 | $1,810 | +2.7% | 0.66% | 544 |
| Massachusetts | $1,850 | $1,795 | +3.3% | 0.91% | 500 |
| Montana | $1,823 | $1,666 | +10.2% | 0.9% | 167 |
| South Dakota | $1,794 | $1,508 | +20.7% | 1.1% | 180 |
| Arkansas | $1,698 | $1,653 | +3.4% | 0.72% | 374 |
| Tennessee | $1,677 | $1,643 | +1.1% | 1.05% | 552 |
| Wyoming | $1,667 | $1,558 | +8.5% | 0.56% | 83 |
| Georgia | $1,635 | $1,575 | +4.9% | 1.3% | 630 |
| District of Columbia | $1,628 | $1,643 | -0.6% | 0.82% | 20 |
| California | $1,617 | $1,289 | +21.2% | 1.22% | 1,552 |
| Iowa | $1,602 | $1,433 | +12.1% | 0.92% | 580 |
| New Jersey | $1,598 | $1,558 | +1.8% | 0.75% | 563 |
| Illinois | $1,563 | $1,362 | +14.5% | 0.87% | 1,193 |
| Kentucky | $1,526 | $1,549 | -0.8% | 0.49% | 466 |
| Maryland | $1,520 | $1,398 | +9.5% | 0.7% | 423 |
| Indiana | $1,465 | $1,412 | +3% | 1.04% | 672 |
| South Carolina | $1,460 | $1,464 | +1% | 2.18% | 367 |
| New Mexico | $1,451 | $1,396 | +3.6% | 0.88% | 201 |
| New Hampshire | $1,365 | $1,319 | +2.6% | 0.82% | 238 |
| North Carolina | $1,319 | $1,235 | +8.3% | 2.09% | 725 |
| Washington | $1,304 | $1,213 | +8% | 0.73% | 511 |
| Alaska | $1,283 | $1,314 | -4.8% | 0.37% | 31 |
| Virginia | $1,280 | $1,177 | +9% | 1.29% | 748 |
| Ohio | $1,239 | $1,184 | +4.2% | 0.99% | 1,032 |
| Idaho | $1,235 | $1,052 | +16.6% | 1.25% | 211 |
| New York | $1,218 | $1,182 | +4.3% | 0.4% | 1,536 |
| Vermont | $1,203 | $1,213 | -1.5% | 0.72% | 247 |
| Wisconsin | $1,199 | $1,104 | +7.5% | 0.63% | 722 |
| Arizona | $1,172 | $1,059 | +10.8% | 1.7% | 328 |
| Michigan | $1,171 | $1,173 | -0.4% | 0.94% | 913 |
| Oregon | $1,153 | $1,009 | +13.8% | 0.66% | 342 |
| Maine | $1,149 | $1,092 | +5% | 0.54% | 396 |
| West Virginia | $1,143 | $1,199 | -3.8% | 0.57% | 456 |
| Delaware | $1,125 | $1,035 | +8.2% | 0.84% | 57 |
| Nevada | $1,077 | $997 | +7% | 0.72% | 138 |
| Utah | $1,041 | $880 | +18.2% | 0.9% | 248 |
| Pennsylvania | $1,015 | $986 | +2.6% | 0.42% | 1,524 |
| United States | $1,551 | $1,445 | +5.7% | 0.85% | 25,593 |
Each figure is the median across the state's ZIP Codes of the average premium per policy (or of the nonrenewal rate) reported by insurers; ZIP Codes are not weighted by their number of policies, which the file does not give. “Change”: the median of each ZIP Code's own change from 2018 to 2022. A falling median, as in Florida, does not necessarily mean owners paid less: policies that moved to a FAIR plan or a surplus-lines insurer are not in the data. Nonrenewals “not reported”: every ZIP Code of Texas shows exactly zero, so the field was not filled in; the national figure leaves it out.
The 25 counties with the highest premiums
| County | Premium, 2022 | Change since 2018 | Nonrenewal rate |
|---|---|---|---|
| New York County, NY | $10,332 | +38.4% | 1.42% |
| Palm Beach County, FL | $8,444 | +3.6% | 0.27% |
| Miami-Dade County, FL | $7,089 | +2.8% | 0.33% |
| Broward County, FL | $6,148 | -1.6% | 0.26% |
| Pinellas County, FL | $4,764 | -9.7% | 0% |
| Sarasota County, FL | $4,616 | -1.7% | 0.66% |
| Barnstable County, MA | $3,512 | +4.3% | 0.56% |
| Charleston County, SC | $3,279 | -7.9% | 8.73% |
| Hillsborough County, FL | $3,212 | -14.9% | 0.19% |
| Kings County, NY | $3,201 | +12% | 0.55% |
| Oklahoma County, OK | $3,158 | -4% | 0.7% |
| Collin County, TX | $3,041 | +23% | not reported |
| Jefferson County, CO | $2,966 | +24.2% | 1.05% |
| Lee County, FL | $2,925 | -24.1% | 0.64% |
| Denver County, CO | $2,916 | +18% | 1.02% |
| Volusia County, FL | $2,843 | -10.2% | 0.15% |
| Dallas County, TX | $2,771 | +14% | not reported |
| Sedgwick County, KS | $2,754 | +3.9% | 1.61% |
| El Paso County, CO | $2,734 | +22.8% | 1.22% |
| Fairfield County, CT | $2,732 | -1.4% | 0.93% |
| Denton County, TX | $2,717 | +18.3% | not reported |
| Harris County, TX | $2,702 | +4.7% | not reported |
| Suffolk County, NY | $2,696 | +4.4% | 0.34% |
| Douglas County, NE | $2,659 | +16.6% | 2.47% |
| Marin County, CA | $2,651 | +31.8% | 0.88% |
The 25 counties with the most nonrenewals
| County | Nonrenewal rate, 2022 | Premium, 2022 |
|---|---|---|
| Charleston County, SC | 8.73% | $3,279 |
| Mecklenburg County, NC | 4.45% | $1,562 |
| El Dorado County, CA | 4.1% | $2,306 |
| Spartanburg County, SC | 3.82% | $1,225 |
| Guilford County, NC | 3.1% | $1,241 |
| Shasta County, CA | 2.91% | $2,409 |
| Wake County, NC | 2.86% | $1,613 |
| Mendocino County, CA | 2.75% | $2,475 |
| Placer County, CA | 2.52% | $2,368 |
| Douglas County, NE | 2.47% | $2,659 |
| Greenville County, SC | 2.18% | $1,408 |
| Pinal County, AZ | 2.06% | $1,030 |
| Wayne County, MI | 2.04% | $1,466 |
| Lancaster County, NE | 2.01% | $2,486 |
| Macomb County, MI | 1.82% | $1,238 |
| Shelby County, TN | 1.76% | $2,118 |
| San Bernardino County, CA | 1.76% | $1,376 |
| DeKalb County, GA | 1.7% | $1,897 |
| Oakland County, MI | 1.7% | $1,499 |
| Suffolk County, MA | 1.66% | $2,471 |
| Fulton County, GA | 1.64% | $2,169 |
| Sedgwick County, KS | 1.61% | $2,754 |
| Maricopa County, AZ | 1.56% | $1,249 |
| Yavapai County, AZ | 1.55% | $1,134 |
| Riverside County, CA | 1.54% | $1,487 |
Counties with at least 20 ZIP Codes in the data (266 counties). Each ZIP Code is placed in the county that holds most of its land area (Census 2020 ZCTA file).
What the data covers
The Treasury's Federal Insurance Office published these metrics with its report on homeowners insurance markets. The underlying data was collected from insurers by the NAIC and state regulators: it covers about 80% of HO-3 and HO-5 premiums nationwide, but not state FAIR plans, surplus-lines insurers, flood insurance, or the years after 2022, and its coverage varies by state. Read it as a comparison between places, not as the price you will be quoted today.
Questions
How much is homeowners insurance in the US?
In 2022, the median premium per policy across ZIP Codes was $1,551 a year, from $1,015 in Pennsylvania to $3,211 in Florida (state medians). These are the latest figures the Treasury published, for 2018 to 2022; premiums have changed since.
Where are insurers not renewing home policies?
In 2022, the median ZIP Code nonrenewal rate was highest in Nebraska (2.3% of policies), South Carolina (2.18% of policies), North Carolina (2.09% of policies).
Why might my premium differ?
The figures are averages per policy in each ZIP Code: they mix homes of every value and coverage level. Your premium depends on the home, its rebuilding cost, the deductible, the claims history and the insurer. They also leave out state FAIR plans and surplus-lines insurers, which many owners in high-risk areas use.
General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.