Home insurance costs & natural hazards, county by county
Calm, plain facts for U.S. homeowners: what people near you have paid for home insurance, what flood coverage costs, and which weather hazards matter most where you live.
- Typical premiums from U.S. Treasury insurance data
- Flood insurance costs from 2,907,832 FEMA NFIP policies
- 18 natural hazards rated for every county by FEMA
Historical averages, not a quote. Updated Oct 2026.
The U.S. at a glance
Four numbers most homeowners ask about first.
Per HO-3/HO-5 policy in 2022, Treasury's national figure (inflation-adjusted).
Full cost of a single-family NFIP policy that took effect in 2025.
Typical U.S. ZIP code in 2022: share of policies insurers chose not to renew.
Every county and county-equivalent in the 50 states and D.C., rated by FEMA.
What U.S. homeowners pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
Treasury's national average for HO-3/HO-5 homeowners policies was $1,737 per policy in 2022, up 9% from 2018 after adjusting for inflation. The typical ZIP code paid less, $1,551, because many lower-cost rural ZIP codes have fewer policies. Costs vary a lot by place: the typical ZIP code in Florida paid $3,211, compared with $1,015 in Pennsylvania.
Average vs. typical premium per policy
Flood insurance
Standard home policies don't cover floods. 2,907,832 single-family NFIP policies took effect in 2025, at an average full cost of $1,261, compared with $954 in 2022. About 56% of those policies are for homes in high-risk A or V zones and 44% in moderate- to lower-risk zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of the 3,144 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, ice storm and strong wind. Every county page shows its own hazard profile.
Most widespread hazards
Find your state
Typical home premium by state, 2022. Tap a state, or pick one from the table, to see every county.
Highest typical premiums, 2022
| Florida | $3,211 |
| Colorado | $2,538 |
| Oklahoma | $2,525 |
| Louisiana | $2,438 |
| Nebraska | $2,434 |
Lowest typical premiums, 2022
| Pennsylvania | $1,015 |
| Utah | $1,041 |
| Nevada | $1,077 |
| Delaware | $1,125 |
| West Virginia | $1,143 |
| State | Premium | 2018–22 | Flood | Counties |
|---|---|---|---|---|
| Alabama | $1,857 | +3% | $1,350 | 67 |
| Alaska | $1,283 | −2% | $470 | 30 |
| Arizona | $1,172 | +11% | $1,082 | 15 |
| Arkansas | $1,698 | +3% | $1,140 | 75 |
| California | $1,617 | +25% | $1,180 | 58 |
| Colorado | $2,538 | +21% | $1,117 | 64 |
| Connecticut | $1,910 | −1% | $2,040 | 9 |
| Delaware | $1,125 | +9% | $1,232 | 3 |
| District of Columbia | $1,628 | −1% | $443 | 1 |
| Florida | $3,211 | −16% | $1,411 | 67 |
| Georgia | $1,635 | +4% | $1,084 | 159 |
| Hawaii | $2,136 | +9% | $2,002 | 5 |
| Idaho | $1,235 | +17% | $1,172 | 44 |
| Illinois | $1,563 | +15% | $1,277 | 102 |
| Indiana | $1,465 | +4% | $1,078 | 92 |
| Iowa | $1,602 | +12% | $1,132 | 99 |
| Kansas | $2,289 | +5% | $1,118 | 105 |
| Kentucky | $1,526 | −1% | $1,400 | 120 |
| Louisiana | $2,438 | +6% | $1,162 | 64 |
| Maine | $1,149 | +5% | $1,505 | 16 |
| Maryland | $1,520 | +9% | $753 | 24 |
| Massachusetts | $1,850 | +3% | $1,617 | 14 |
| Michigan | $1,171 | 0% | $962 | 83 |
| Minnesota | $1,858 | +16% | $1,236 | 87 |
| Mississippi | $1,921 | +3% | $1,272 | 82 |
| Missouri | $1,989 | +10% | $1,269 | 115 |
| Montana | $1,823 | +9% | $1,171 | 56 |
| Nebraska | $2,434 | +11% | $1,018 | 93 |
| Nevada | $1,077 | +8% | $923 | 17 |
| New Hampshire | $1,365 | +3% | $1,649 | 10 |
| New Jersey | $1,598 | +3% | $1,492 | 21 |
| New Mexico | $1,451 | +4% | $1,310 | 33 |
| New York | $1,218 | +3% | $1,550 | 62 |
| North Carolina | $1,319 | +7% | $1,116 | 100 |
| North Dakota | $1,930 | +8% | $975 | 53 |
| Ohio | $1,239 | +5% | $1,064 | 88 |
| Oklahoma | $2,525 | +4% | $1,138 | 77 |
| Oregon | $1,153 | +14% | $1,263 | 36 |
| Pennsylvania | $1,015 | +3% | $1,425 | 67 |
| Rhode Island | $2,001 | +4% | $1,341 | 5 |
| South Carolina | $1,460 | 0% | $1,111 | 46 |
| South Dakota | $1,794 | +19% | $1,272 | 66 |
| Tennessee | $1,677 | +2% | $1,188 | 95 |
| Texas | $2,249 | +2% | $1,107 | 254 |
| Utah | $1,041 | +18% | $806 | 29 |
| Vermont | $1,203 | −1% | $1,587 | 14 |
| Virginia | $1,280 | +9% | $945 | 133 |
| Washington | $1,304 | +8% | $1,178 | 39 |
| West Virginia | $1,143 | −5% | $1,554 | 55 |
| Wisconsin | $1,199 | +9% | $1,097 | 72 |
| Wyoming | $1,667 | +7% | $1,174 | 23 |
Premium = typical (median) ZIP code in Treasury's data; change is after inflation. Flood = average single-family NFIP policy that took effect in 2025.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.