Tornado Alley stretches from Texas through the Dakotas, and insurance costs in these states reflect the annual threat of severe storms, hail, and twisters.
| # | State | Homeowners | vs Avg |
|---|---|---|---|
| 1 | Nebraska | $6,100 | +135% |
| 2 | Oklahoma | $5,500 | +112% |
| 3 | Texas | $4,800 | +85% |
| 4 | Kansas | $4,600 | +77% |
| 5 | Mississippi | $4,200 | +62% |
| 6 | Arkansas | $3,800 | +46% |
| 7 | Alabama | $3,400 | +31% |
| 8 | Kentucky | $3,200 | +23% |
| 9 | South Dakota | $3,000 | +15% |
| 10 | Illinois | $2,700 | +4% |
| 11 | Minnesota | $2,700 | +4% |
| 12 | Tennessee | $2,700 | +4% |
| 13 | Missouri | $2,600 | 0% |
| 14 | Indiana | $2,400 | -8% |
| 15 | Iowa | $2,400 | -8% |
| 16 | Virginia | $2,100 | -19% |
| 17 | Ohio | $1,900 | -27% |
| 18 | Wisconsin | $1,500 | -42% |
The top-ranked state, Nebraska, has an average homeowners insurance cost of $6,100/yr, while the bottom of this list sees costs of $1,500/yr — a difference of $4,600/yr.
The average across all states in this ranking is $3,311/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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