Flooding is the most common natural disaster, yet standard homeowners insurance excludes it. States with flood risk face higher base premiums plus separate flood policy costs.
| # | State | Homeowners | vs Avg |
|---|---|---|---|
| 1 | Florida | $7,900 | +204% |
| 2 | Louisiana | $6,100 | +135% |
| 3 | Texas | $4,800 | +85% |
| 4 | Mississippi | $4,200 | +62% |
| 5 | Arkansas | $3,800 | +46% |
| 6 | Kentucky | $3,200 | +23% |
| 7 | North Carolina | $2,900 | +12% |
| 8 | South Carolina | $2,800 | +8% |
| 9 | Tennessee | $2,700 | +4% |
| 10 | Indiana | $2,400 | -8% |
| 11 | Connecticut | $2,250 | -13% |
| 12 | Rhode Island | $2,100 | -19% |
| 13 | Virginia | $2,100 | -19% |
| 14 | Maryland | $1,900 | -27% |
| 15 | Pennsylvania | $1,900 | -27% |
| 16 | Massachusetts | $1,800 | -31% |
| 17 | New York | $1,700 | -35% |
| 18 | West Virginia | $1,600 | -38% |
| 19 | New Jersey | $1,550 | -40% |
| 20 | Oregon | $1,200 | -54% |
| 21 | Delaware | $1,050 | -60% |
The top-ranked state, Florida, has an average homeowners insurance cost of $7,900/yr, while the bottom of this list sees costs of $1,050/yr — a difference of $6,850/yr.
The average across all states in this ranking is $2,855/yr. Use our state pages for detailed analysis and our calculators to estimate your personal premium based on your specific situation.
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