Home insurance is 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. This state-specific information could 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 $1,383 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 $1,597 $133 2.32%
Alaska $1,001 $83 1.45%
Arizona $1,216 $101 1.77%
Arkansas $2,104 $175 3.06%
California $1,084 $90 1.57%
Colorado $1,863 $155 2.71%
Connecticut $1,216 $101 1.77%
Delaware $681 $57 0.99%
Florida $1,648 $137 2.39%
Georgia $1,373 $114 1.99%
Hawaii $378 $32 0.55%
Idaho $858 $72 1.25%
Illinois $1,376 $115 2.00%
Indiana $1,180 $98 1.71%
Iowa $1,290 $108 1.87%
Kansas $2,800 $233 4.07%
Kentucky $1,820 $152 2.64%
Louisiana $2,009 $167 2.92%
Maine $944 $79 1.37%
Maryland $1,136 $95 1.65%
Massachusetts $1,274 $106 1.85%
Michigan $1,292 $108 1.88%
Minnesota $1,880 $157 2.73%
Mississippi $1,840 $153 2.67%
Missouri $1,647 $137 2.39%
Montana $1,752 $146 2.54%
Nebraska $2,849 $237 4.14%
Nevada $874 $73 1.27%
New Hampshire $731 $61 1.06%
New Jersey $775 $65 1.13%
New Mexico $1,939 $162 2.82%
New York $1,289 $107 1.87%
North Carolina $1,317 $110 1.91%
North Dakota $1,872 $156 2.72%
Ohio $1,119 $93 1.63%
Oklahoma $3,593 $299 5.22%
Oregon $704 $59 1.02%
Pennsylvania $786 $66 1.14%
Rhode Island $1,221 $102 1.77%
South Carolina $1,165 $97 1.69%
South Dakota $2,035 $170 2.96%
Tennessee $1,644 $137 2.39%
Texas $1,860 $155 2.70%
Utah $668 $56 0.97%
Vermont $668 $56 0.97%
Virginia $924 $77 1.34%
Washington $899 $75 1.31%
Washington, D.C. $897 $75 1.30%
West Virginia $1,089 $91 1.58%
Wisconsin $928 $77 1.35%
Wyoming $902 $75 1.31%

Alabama

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 $1,442
    Huntsville, Alabama $1,477
    Mobile, Alabama $1,812
    Montgomery, Alabama $1,340
    Tuscaloosa, Alabama $1,466

Alaska

Alaska residents pay an average of $382 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 $851
    Fairbanks, Alaska $1,068
    Juneau, Alaska $943
    Ketchikan, Alaska 860
    Wasilla, Alaska $1,015

Arizona

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 $1,110
    Gilbert, Arizona $1,107
    Glendale, Arizona $1,237
    Mesa, Arizona $1,208
    Phoenix, Arizona $1,427
    Scottsdale, Arizona $1,252
    Tucson, Arizona $1,053

Arkansas

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
    Fayetteville, Arkansas $1,762
    Fort Smith, Arkansas $1,952
    Jonesboro, Arkansas $2,138
    Little Rock, Arkansas $2,007
    Springdale, Arkansas $1,752

California

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.

Colorado

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
    Aurora, Colorado $2,045
    Boulder, Colorado $1,581
    Colorado Springs, Colorado $1,995
    Denver, Colorado $2,024
    Fort Collins, Colorado $1,436

Connecticut

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 $1,361
    Hartford, Connecticut $1,297
    New Haven, Connecticut $1,541
    Stamford, Connecticut $1,115
    Waterbury, Connecticut $1,334

Delaware

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
    Dover, Delaware $637
    Middletown, Delaware $594
    Newark, Delaware $592
    Smyrna, Delaware $591
    Wilmington, Delaware $604

Florida

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.

Georgia

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 $1,386
    Augusta, Georgia $1,413
    Columbus, Georgia $1,461
    Macon, Georgia $1,379
    Savannah, Georgia $1,421

Hawaii

Hawaii boasts the nation’s cheapest home insurance, with an average premium of just $376 per year for $250,000 in dwelling coverage. That means Hawaii’s average price for home insurance comes in at $936 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 $382
    Honolulu, Hawaii $376
    Kailua, Hawaii $376
    Lahaina, Hawaii $382
    Pearl City, Hawaii $376

Idaho

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 $831
    Caldwell, Idaho $834
    Idaho Falls, Idaho $860
    Meridian, Idaho $777
    Nampa, Idaho $818

Illinois

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
    Aurora, Illinois $1,180
    Chicago, Illinois $1,708
    Joliet, Illinois $1,288
    Naperville, Illinois $1,222
    Rockford, Illinois $1,216

Indiana

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 $1,162
    Evansville, Indiana $1,187
    Fort Wayne, Indiana $1,041
    Indianapolis, Indiana $1,280
    South Bend, Indiana $1,140

Iowa

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 $1,155
    Davenport, Iowa $1,153
    Des Moines, Iowa $1,305
    Iowa City, Iowa $1,185
    Sioux City, Iowa $1,434

Kansas

The Sunflower State is one of the most expensive areas in the country for home insurance. Residents pay an average of $2,800 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 $2,610
    Olathe, Kansas $2,201
    Overland Park, Kansas $2,214
    Topeka, Kansas $2,580
    Wichita, Kansas $3,194

Kentucky

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 $1,851
    Covington, Kentucky $1,375
    Lexington, Kentucky $1,484
    Louisville, Kentucky $1,819
    Owensboro, Kentucky $1,781

Louisiana

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
    Baton Rouge, Louisiana $1,627
    Lafayette, Louisiana $1,799
    Lake Charles, Louisiana $1,953
    New Orleans, Louisiana $2,685
    Shreveport, Louisiana $1,448

Maine

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 $904
    Bangor, Maine $894
    Lewiston, Maine $903
    Portland, Maine $932
    South Portland, Maine $933

Maryland

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 $1,273
    Columbia, Maryland $956
    Germantown, Maryland $959
    Silver Spring, Maryland $976
    Waldorf, Maryland $1,181

Massachusetts

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
    Boston, Massachusetts $1,488
    Cambridge, Massachusetts $1,140
    Lowell, Massachusetts $1,157
    Springfield, Massachusetts $1,231
    Worcester, Massachusetts $1,211

Michigan

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
    Ann Arbor, Michigan $926
    Detroit, Michigan $2,544
    Grand Rapids, Michigan $1,016
    Sterling Heights, Michigan $1,170
    Warren, Michigan $1,353

Minnesota

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
    Minneapolis, Minnesota $1,972
    Mankato $1,794
    Duluth, Minnesota $1,752
    Rochester, Minnesota $1,720
    St. Paul, Minnesota $1,920

Mississippi

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
    Biloxi, Mississippi $2,437
    Hattiesburg, Mississippi $1,906
    Jackson, Mississippi $2,040
    Gulfport, Mississippi $2,369
    Southaven, Mississippi $1,488

Missouri

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 $1,526
    Independence, Missouri $1,880
    Kansas City, Missouri $1,835
    Springfield, Missouri $1,684
    St. Louis, Missouri $1,561

Montana

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
    Billings, Montana $2,008
    Bozeman, Montana $1,510
    Butte, Montana $1,587
    Great Falls, Montana $1,713
    Missoula, Montana $1,370

Nebraska

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 $2,704
    Grand Island, Nebraska $2,997
    Kearney, Nebraska $3,033
    Lincoln, Nebraska $2,194
    Omaha, Nebraska $2,875

Nevada

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
    Henderson, Nevada $865
    Las Vegas, Nevada $924
    North Las Vegas, Nevada $890
    Paradise Valley, Nevada $719
    Reno, Nevada $794

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 $723
    Dover, New Hampshire $732
    Manchester, New Hampshire $715
    Nashua, New Hampshire $670
    Rochester, New Hampshire $734

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 $689
    Elizabeth, New Jersey $766
    Jersey City, New Jersey $847
    Newark, New Jersey $890
    Paterson, New Jersey $858

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
    Albuquerque, New Mexico $1,555
    Rio Rancho, New Mexico $1,290
    Roswell, New Mexico $3,120
    Santa Fe, New Mexico $1,279
    Taos, New Mexico $1,449

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
    Brooklyn, New York $1,656
    Buffalo, New York $878
    New York City, New York $1,944
    Rochester, New York $766
    Syracuse, New York $817

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 $1,194
    Durham, North Carolina $1,294
    Greensboro, North Carolina $1,152
    Raleigh, North Carolina $1,324
    Wilmington, North Carolina $2,165
    Winston Salem, North Carolina $1,125

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 $1,999
    Fargo, North Dakota $1,740
    Grand Forks, North Dakota $1,697
    Minot, North Dakota $1,751
    West Fargo, North Dakota $1,679

Ohio

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.

Oklahoma

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 $3,593 for $250,000 in dwelling coverage, over 160% 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
    Broken Arrow, Oklahoma $3,056
    Edmond, Oklahoma $4,001
    Norman, Oklahoma $3,950
    Oklahoma City, Oklahoma $4,230
    Tulsa, Oklahoma $3,118

Oregon

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
    Eugene, Oregon $658
    Gresham, Oregon $690
    Hillsboro, Oregon $612
    Portland, Oregon $665
    Salem, Oregon $676

Pennsylvania

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
    Allentown, Pennsylvania $676
    Erie, Pennsylvania $761
    Philadelphia, Pennsylvania $1,132
    Pittsburgh, Pennsylvania $757
    Reading, Pennsylvania $660

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 $1,223
    East Providence, Rhode Island $1,205
    Pawtucket, Rhode Island $1,187
    Providence, Rhode Island $1,383
    Warwick, Rhode Island $1,272

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 $1,316
    Columbia, South Carolina $1,064
    Greenville, South Carolina $984
    Mount Pleasant, South Carolina $1,276
    North Charleston, South Carolina $1,193

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 $1,846
    Brookings, South Dakota $1,902
    Rapid City, South Dakota $2,200
    Sioux Falls, South Dakota $1,861
    Watertown, South Dakota $1,890

Tennessee

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 $1,492
    Clarksville, Tennessee $1,607
    Knoxville, Tennessee $1,406
    Memphis, Tennessee $2,106
    Nashville, Tennessee $1,554

Texas

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

Utah is one of the cheapest states for homeowners insurance, with an average annual premium that is $715 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 $658
    Provo, Utah $659
    Salt Lake City, Utah $679
    West Jordan, Utah $650
    Woods Cross, Utah $633

Vermont

Vermont homeowners enjoy the third-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 $655
    Hartland, Vermont $664
    Montpelier, Vermont $669
    Rutland, Vermont $688
    South Burlington, Vermont $622

Virginia

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.

Washington

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 $860
    Seattle, Washington $879
    Spokane, Washington $847
    Tacoma, Washington $957
    Vancouver, Washington $829

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. $897

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 $1,082
    Huntington, West Virginia $1,192
    Morgantown, West Virginia $940
    Parkersburg, West Virginia $1,061
    Wheeling, West Virginia $1,009

Wisconsin

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 $816
    Kenosha, Wisconsin $892
    Madison, Wisconsin $837
    Milwaukee, Wisconsin $977
    Racine, Wisconsin $881

Wyoming

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 $968
    Cheyenne, Wyoming $1,160
    Gillette, Wyoming $1,015
    Laramie, Wyoming $739
    Rock Springs, Wyoming $615

Frequently asked questions

    • Home insurance rating factors include features of your home, like the square footage, age, ZIP code, roof material and more. Some states permit insurance companies to consider credit scores as a rating factor as well, which could affect your home insurance premium. The dwelling amount needed to insure your home, as well as any optional coverage you choose to include, 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 can help you save. Bundling your auto and home policies is often the biggest discount, but you might also save for having a new roof, having 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, purchasing home insurance could be a good financial move. Home insurance can help to protect your finances from repair or replacement costs.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region, except in cities. 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.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states restrict or ban credit as a factor in determining home insurance rates: California, Maryland, Massachusetts and Michigan.