American Community Survey 2024 microdata (latest available) · Updated by StartBusinessByState
Short answer: Home insurance costs the most in Florida, Louisiana, Colorado, Texas and Oklahoma, all states that get frequent hurricanes, hail or wildfires. The typical yearly premium ranges from $1,000 in West Virginia to $2,500 in Florida. These are the Census Bureau’s own survey numbers, reported by about 859,000 homeowners, so every state has a figure from the same source. Since 2019, the average premium has risen faster than inflation in 51 states.
Key facts for reporters
- U.S., 2024: median yearly home insurance premium $1,500, average $1,911, among owner-occupied homes that pay one (Census ACS 2024 PUMS). In 2019: median $1,000, average $1,273.
- Highest typical premiums: Florida ($2,500), Louisiana ($2,400), Colorado ($2,300), Texas ($2,200), Oklahoma ($2,200). Lowest: West Virginia ($1,000), Delaware ($1,000), Vermont ($1,000), Nevada ($1,000).
- Biggest increases in the average premium, 2019–2024: Florida (+70%), Louisiana (+70%), Wyoming (+67%), Colorado (+67%), Nebraska (+66%). Inflation (CPI-U) over the same years: 23%.
- Insurance as a share of household income, typical payer: 1.4% nationally. Highest: Louisiana (2.6%), Florida (2.5%), Oklahoma (2.3%), Nebraska (2.1%). 11% of payers nationwide spend more than 5% of their income on it.
- 13% of homeowners reported paying no home insurance premium. That includes homes with no coverage and condo owners whose building insurance is paid through association fees.
- The Census Bureau has delayed 2025 ACS data, so 2024 is the latest year for every state.
Home insurance cost by state
- Florida: $2,500 typical, $3,148 average
- Louisiana: $2,400 typical, $2,936 average
- Colorado: $2,300 typical, $2,641 average
- Texas: $2,200 typical, $2,656 average
- Oklahoma: $2,200 typical, $2,476 average
- Nebraska: $2,100 typical, $2,405 average
- Kansas: $2,000 typical, $2,239 average
- Minnesota: $1,900 typical, $2,135 average
- Rhode Island: $1,800 typical, $2,144 average
- Massachusetts: $1,700 typical, $2,028 average
Homeowners report premiums in round numbers, so many states share the same median. When that happens, we use the average to break the tie, and the table shows both. Premiums depend on storm and fire risk, rebuilding costs, the size and age of the home, the deductible, and each state’s insurance rules. This survey records what owners paid. It doesn’t show why.
How much premiums have risen since 2019
The average U.S. premium rose 50% from 2019 to 2024, about 2.2 times the overall inflation rate (23%). The biggest increases were in Florida (+70%), Louisiana (+70%), Wyoming (+67%), Colorado (+67%). Building costs rose a lot over these years, so insuring the same house costs more. Insurers’ storm and wildfire losses and reinsurance prices also feed into premiums.
Home insurance as a share of income
For the typical homeowner who pays a premium, insurance took 1.4% of household income in 2024. It took the biggest bite in Louisiana (2.6%), Florida (2.5%), Oklahoma (2.3%), Nebraska (2.1%), Mississippi (2.0%), and 11% of payers nationwide spent more than 5% of their income on it. For other homeowner costs, see property taxes by state, mortgage delinquency by state and rent vs. own costs by state.
Home insurance premiums by state
Yearly premiums for owner-occupied homes that pay one. Click a column to sort. The ± figure is the 90% margin of error for the average.
| State | Median premium, 2024 | Average, 2024 | Average ± | Median, 2019 | Change in average, 2019–2024 | Typical share of income | Owners reporting no premium |
|---|---|---|---|---|---|---|---|
| U.S. | $1,500 | $1,911 | $1,000 | +50% | 1.4% | 13% | |
| Alabama | $1,500 | $1,826 | ±$22 | $1,200 | +42% | 1.8% | 17% |
| Alaska | $1,300 | $1,695 | ±$97 | $1,000 | +37% | 1.1% | 19% |
| Arizona | $1,200 | $1,416 | ±$16 | $800 | +52% | 1.1% | 13% |
| Arkansas | $1,500 | $1,752 | ±$30 | $1,100 | +50% | 1.8% | 16% |
| California | $1,500 | $2,036 | ±$14 | $1,000 | +58% | 1.2% | 10% |
| Colorado | $2,300 | $2,641 | ±$31 | $1,300 | +67% | 1.7% | 8% |
| Connecticut | $1,600 | $2,165 | ±$33 | $1,200 | +37% | 1.3% | 11% |
| Delaware | $1,000 | $1,258 | ±$36 | $800 | +28% | 1.0% | 12% |
| District of Columbia | $1,200 | $1,730 | ±$97 | $1,000 | +32% | 0.6% | 10% |
| Florida | $2,500 | $3,148 | ±$22 | $1,400 | +70% | 2.5% | 18% |
| Georgia | $1,500 | $1,869 | ±$18 | $1,100 | +47% | 1.5% | 13% |
| Hawaii | $1,500 | $1,995 | ±$69 | $1,100 | +39% | 1.2% | 11% |
| Idaho | $1,100 | $1,365 | ±$31 | $710 | +53% | 1.2% | 11% |
| Illinois | $1,300 | $1,661 | ±$16 | $1,000 | +51% | 1.3% | 10% |
| Indiana | $1,300 | $1,525 | ±$16 | $1,000 | +41% | 1.4% | 13% |
| Iowa | $1,500 | $1,714 | ±$27 | $1,000 | +58% | 1.5% | 13% |
| Kansas | $2,000 | $2,239 | ±$36 | $1,400 | +45% | 2.0% | 13% |
| Kentucky | $1,400 | $1,653 | ±$26 | $1,000 | +43% | 1.6% | 16% |
| Louisiana | $2,400 | $2,936 | ±$44 | $1,500 | +70% | 2.6% | 20% |
| Maine | $1,000 | $1,297 | ±$38 | $800 | +41% | 1.1% | 13% |
| Maryland | $1,400 | $1,739 | ±$21 | $1,000 | +45% | 1.0% | 10% |
| Massachusetts | $1,700 | $2,028 | ±$23 | $1,200 | +37% | 1.2% | 10% |
| Michigan | $1,100 | $1,337 | ±$14 | $850 | +36% | 1.2% | 14% |
| Minnesota | $1,900 | $2,135 | ±$27 | $1,200 | +53% | 1.6% | 11% |
| Mississippi | $1,700 | $1,979 | ±$29 | $1,200 | +42% | 2.0% | 19% |
| Missouri | $1,600 | $1,895 | ±$20 | $1,200 | +43% | 1.7% | 12% |
| Montana | $1,600 | $1,952 | ±$61 | $1,100 | +58% | 1.6% | 14% |
| Nebraska | $2,100 | $2,405 | ±$49 | $1,300 | +66% | 2.1% | 11% |
| Nevada | $1,000 | $1,297 | ±$33 | $720 | +42% | 1.0% | 12% |
| New Hampshire | $1,200 | $1,382 | ±$38 | $900 | +35% | 0.9% | 9% |
| New Jersey | $1,300 | $1,719 | ±$17 | $1,000 | +34% | 1.0% | 10% |
| New Mexico | $1,200 | $1,612 | ±$41 | $910 | +47% | 1.4% | 22% |
| New York | $1,200 | $1,799 | ±$18 | $1,000 | +32% | 1.1% | 11% |
| North Carolina | $1,300 | $1,612 | ±$15 | $940 | +47% | 1.3% | 12% |
| North Dakota | $1,500 | $1,769 | ±$52 | $1,200 | +35% | 1.4% | 16% |
| Ohio | $1,200 | $1,372 | ±$13 | $850 | +43% | 1.2% | 11% |
| Oklahoma | $2,200 | $2,476 | ±$33 | $1,500 | +47% | 2.3% | 17% |
| Oregon | $1,100 | $1,417 | ±$22 | $720 | +53% | 1.1% | 8% |
| Pennsylvania | $1,000 | $1,320 | ±$15 | $800 | +37% | 1.1% | 11% |
| Rhode Island | $1,800 | $2,144 | ±$59 | $1,300 | +44% | 1.5% | 12% |
| South Carolina | $1,300 | $1,751 | ±$21 | $1,000 | +39% | 1.5% | 14% |
| South Dakota | $1,700 | $1,973 | ±$61 | $1,100 | +62% | 1.7% | 16% |
| Tennessee | $1,400 | $1,647 | ±$19 | $1,000 | +37% | 1.5% | 13% |
| Texas | $2,200 | $2,656 | ±$17 | $1,500 | +57% | 2.0% | 16% |
| Utah | $1,100 | $1,406 | ±$24 | $700 | +60% | 0.9% | 9% |
| Vermont | $1,000 | $1,290 | ±$54 | $800 | +33% | 1.0% | 10% |
| Virginia | $1,200 | $1,604 | ±$17 | $900 | +45% | 1.1% | 10% |
| Washington | $1,200 | $1,620 | ±$20 | $900 | +46% | 1.0% | 10% |
| West Virginia | $1,000 | $1,129 | ±$28 | $800 | +28% | 1.2% | 19% |
| Wisconsin | $1,100 | $1,317 | ±$18 | $800 | +45% | 1.1% | 12% |
| Wyoming | $1,600 | $2,024 | ±$89 | $1,100 | +67% | 1.8% | 13% |
State-by-state notes
Alabama
The typical (median) Alabama homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 20 of 51, where 1 is highest; U.S. $1,500). The average was $1,826 (±$22). Half of payers fell between $1,100 and $2,200. The average premium was +42% higher than in 2019 ($1,282), compared with 23% inflation. For the typical payer, insurance cost 1.8% of household income, and 15% paid more than 5% of income. 17% of homeowners reported paying no premium.
Alaska
The typical (median) Alaska homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 29 of 51, where 1 is highest; U.S. $1,500). The average was $1,695 (±$97). Half of payers fell between $900 and $2,000. The average premium was +37% higher than in 2019 ($1,240), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 8% paid more than 5% of income. 19% of homeowners reported paying no premium.
Arizona
The typical (median) Arizona homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 38 of 51, where 1 is highest; U.S. $1,500). The average was $1,416 (±$16). Half of payers fell between $750 and $1,700. The average premium was +52% higher than in 2019 ($934), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 8% paid more than 5% of income. 13% of homeowners reported paying no premium.
Arkansas
The typical (median) Arkansas homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 22 of 51, where 1 is highest; U.S. $1,500). The average was $1,752 (±$30). Half of payers fell between $1,000 and $2,300. The average premium was +50% higher than in 2019 ($1,172), compared with 23% inflation. For the typical payer, insurance cost 1.8% of household income, and 13% paid more than 5% of income. 16% of homeowners reported paying no premium.
California
The typical (median) California homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 17 of 51, where 1 is highest; U.S. $1,500). The average was $2,036 (±$14). Half of payers fell between $1,000 and $2,400. The average premium was +58% higher than in 2019 ($1,292), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 10% paid more than 5% of income. 10% of homeowners reported paying no premium.
Colorado
The typical (median) Colorado homeowner who pays for home insurance paid $2,300 a year in 2024 (rank 3 of 51, where 1 is highest; U.S. $1,500). The average was $2,641 (±$31). Half of payers fell between $1,300 and $3,400. The average premium was +67% higher than in 2019 ($1,583), compared with 23% inflation. For the typical payer, insurance cost 1.7% of household income, and 14% paid more than 5% of income. 8% of homeowners reported paying no premium.
Connecticut
The typical (median) Connecticut homeowner who pays for home insurance paid $1,600 a year in 2024 (rank 13 of 51, where 1 is highest; U.S. $1,500). The average was $2,165 (±$33). Half of payers fell between $1,100 and $2,500. The average premium was +37% higher than in 2019 ($1,581), compared with 23% inflation. For the typical payer, insurance cost 1.3% of household income, and 10% paid more than 5% of income. 11% of homeowners reported paying no premium.
Delaware
The typical (median) Delaware homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 50 of 51, where 1 is highest; U.S. $1,500). The average was $1,258 (±$36). Half of payers fell between $700 and $1,500. The average premium was +28% higher than in 2019 ($981), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 7% paid more than 5% of income. 12% of homeowners reported paying no premium.
District of Columbia
The typical (median) District of Columbia homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 34 of 51, where 1 is highest; U.S. $1,500). The average was $1,730 (±$97). Half of payers fell between $600 and $2,000. The average premium was +32% higher than in 2019 ($1,310), compared with 23% inflation. For the typical payer, insurance cost 0.6% of household income, and 7% paid more than 5% of income. 10% of homeowners reported paying no premium.
Florida
The typical (median) Florida homeowner who pays for home insurance paid $2,500 a year in 2024 (rank 1 of 51, where 1 is highest; U.S. $1,500). The average was $3,148 (±$22). Half of payers fell between $1,500 and $4,000. The average premium was +70% higher than in 2019 ($1,848), compared with 23% inflation. For the typical payer, insurance cost 2.5% of household income, and 24% paid more than 5% of income. 18% of homeowners reported paying no premium.
Georgia
The typical (median) Georgia homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 19 of 51, where 1 is highest; U.S. $1,500). The average was $1,869 (±$18). Half of payers fell between $1,000 and $2,300. The average premium was +47% higher than in 2019 ($1,271), compared with 23% inflation. For the typical payer, insurance cost 1.5% of household income, and 11% paid more than 5% of income. 13% of homeowners reported paying no premium.
Hawaii
The typical (median) Hawaii homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 18 of 51, where 1 is highest; U.S. $1,500). The average was $1,995 (±$69). Half of payers fell between $730 and $2,600. The average premium was +39% higher than in 2019 ($1,438), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 11% paid more than 5% of income. 11% of homeowners reported paying no premium.
Idaho
The typical (median) Idaho homeowner who pays for home insurance paid $1,100 a year in 2024 (rank 43 of 51, where 1 is highest; U.S. $1,500). The average was $1,365 (±$31). Half of payers fell between $700 and $1,600. The average premium was +53% higher than in 2019 ($891), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 8% paid more than 5% of income. 11% of homeowners reported paying no premium.
Illinois
The typical (median) Illinois homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 30 of 51, where 1 is highest; U.S. $1,500). The average was $1,661 (±$16). Half of payers fell between $980 and $2,000. The average premium was +51% higher than in 2019 ($1,103), compared with 23% inflation. For the typical payer, insurance cost 1.3% of household income, and 9% paid more than 5% of income. 10% of homeowners reported paying no premium.
Indiana
The typical (median) Indiana homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 32 of 51, where 1 is highest; U.S. $1,500). The average was $1,525 (±$16). Half of payers fell between $940 and $1,900. The average premium was +41% higher than in 2019 ($1,079), compared with 23% inflation. For the typical payer, insurance cost 1.4% of household income, and 9% paid more than 5% of income. 13% of homeowners reported paying no premium.
Iowa
The typical (median) Iowa homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 23 of 51, where 1 is highest; U.S. $1,500). The average was $1,714 (±$27). Half of payers fell between $1,000 and $2,000. The average premium was +58% higher than in 2019 ($1,084), compared with 23% inflation. For the typical payer, insurance cost 1.5% of household income, and 10% paid more than 5% of income. 13% of homeowners reported paying no premium.
Kansas
The typical (median) Kansas homeowner who pays for home insurance paid $2,000 a year in 2024 (rank 7 of 51, where 1 is highest; U.S. $1,500). The average was $2,239 (±$36). Half of payers fell between $1,300 and $2,800. The average premium was +45% higher than in 2019 ($1,544), compared with 23% inflation. For the typical payer, insurance cost 2.0% of household income, and 15% paid more than 5% of income. 13% of homeowners reported paying no premium.
Kentucky
The typical (median) Kentucky homeowner who pays for home insurance paid $1,400 a year in 2024 (rank 25 of 51, where 1 is highest; U.S. $1,500). The average was $1,653 (±$26). Half of payers fell between $1,000 and $2,000. The average premium was +43% higher than in 2019 ($1,155), compared with 23% inflation. For the typical payer, insurance cost 1.6% of household income, and 13% paid more than 5% of income. 16% of homeowners reported paying no premium.
Louisiana
The typical (median) Louisiana homeowner who pays for home insurance paid $2,400 a year in 2024 (rank 2 of 51, where 1 is highest; U.S. $1,500). The average was $2,936 (±$44). Half of payers fell between $1,200 and $4,000. The average premium was +70% higher than in 2019 ($1,729), compared with 23% inflation. For the typical payer, insurance cost 2.6% of household income, and 27% paid more than 5% of income. 20% of homeowners reported paying no premium.
Maine
The typical (median) Maine homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 47 of 51, where 1 is highest; U.S. $1,500). The average was $1,297 (±$38). Half of payers fell between $700 and $1,500. The average premium was +41% higher than in 2019 ($922), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 7% paid more than 5% of income. 13% of homeowners reported paying no premium.
Maryland
The typical (median) Maryland homeowner who pays for home insurance paid $1,400 a year in 2024 (rank 24 of 51, where 1 is highest; U.S. $1,500). The average was $1,739 (±$21). Half of payers fell between $950 and $2,100. The average premium was +45% higher than in 2019 ($1,203), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 8% paid more than 5% of income. 10% of homeowners reported paying no premium.
Massachusetts
The typical (median) Massachusetts homeowner who pays for home insurance paid $1,700 a year in 2024 (rank 10 of 51, where 1 is highest; U.S. $1,500). The average was $2,028 (±$23). Half of payers fell between $1,100 and $2,500. The average premium was +37% higher than in 2019 ($1,478), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 9% paid more than 5% of income. 10% of homeowners reported paying no premium.
Michigan
The typical (median) Michigan homeowner who pays for home insurance paid $1,100 a year in 2024 (rank 44 of 51, where 1 is highest; U.S. $1,500). The average was $1,337 (±$14). Half of payers fell between $790 and $1,600. The average premium was +36% higher than in 2019 ($983), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 8% paid more than 5% of income. 14% of homeowners reported paying no premium.
Minnesota
The typical (median) Minnesota homeowner who pays for home insurance paid $1,900 a year in 2024 (rank 8 of 51, where 1 is highest; U.S. $1,500). The average was $2,135 (±$27). Half of payers fell between $1,200 and $2,700. The average premium was +53% higher than in 2019 ($1,396), compared with 23% inflation. For the typical payer, insurance cost 1.6% of household income, and 11% paid more than 5% of income. 11% of homeowners reported paying no premium.
Mississippi
The typical (median) Mississippi homeowner who pays for home insurance paid $1,700 a year in 2024 (rank 11 of 51, where 1 is highest; U.S. $1,500). The average was $1,979 (±$29). Half of payers fell between $1,100 and $2,500. The average premium was +42% higher than in 2019 ($1,397), compared with 23% inflation. For the typical payer, insurance cost 2.0% of household income, and 18% paid more than 5% of income. 19% of homeowners reported paying no premium.
Missouri
The typical (median) Missouri homeowner who pays for home insurance paid $1,600 a year in 2024 (rank 16 of 51, where 1 is highest; U.S. $1,500). The average was $1,895 (±$20). Half of payers fell between $1,100 and $2,400. The average premium was +43% higher than in 2019 ($1,329), compared with 23% inflation. For the typical payer, insurance cost 1.7% of household income, and 13% paid more than 5% of income. 12% of homeowners reported paying no premium.
Montana
The typical (median) Montana homeowner who pays for home insurance paid $1,600 a year in 2024 (rank 15 of 51, where 1 is highest; U.S. $1,500). The average was $1,952 (±$61). Half of payers fell between $1,100 and $2,400. The average premium was +58% higher than in 2019 ($1,233), compared with 23% inflation. For the typical payer, insurance cost 1.6% of household income, and 13% paid more than 5% of income. 14% of homeowners reported paying no premium.
Nebraska
The typical (median) Nebraska homeowner who pays for home insurance paid $2,100 a year in 2024 (rank 6 of 51, where 1 is highest; U.S. $1,500). The average was $2,405 (±$49). Half of payers fell between $1,300 and $3,000. The average premium was +66% higher than in 2019 ($1,447), compared with 23% inflation. For the typical payer, insurance cost 2.1% of household income, and 17% paid more than 5% of income. 11% of homeowners reported paying no premium.
Nevada
The typical (median) Nevada homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 48 of 51, where 1 is highest; U.S. $1,500). The average was $1,297 (±$33). Half of payers fell between $680 and $1,500. The average premium was +42% higher than in 2019 ($910), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 7% paid more than 5% of income. 12% of homeowners reported paying no premium.
New Hampshire
The typical (median) New Hampshire homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 39 of 51, where 1 is highest; U.S. $1,500). The average was $1,382 (±$38). Half of payers fell between $800 and $1,600. The average premium was +35% higher than in 2019 ($1,022), compared with 23% inflation. For the typical payer, insurance cost 0.9% of household income, and 6% paid more than 5% of income. 9% of homeowners reported paying no premium.
New Jersey
The typical (median) New Jersey homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 28 of 51, where 1 is highest; U.S. $1,500). The average was $1,719 (±$17). Half of payers fell between $980 and $2,000. The average premium was +34% higher than in 2019 ($1,281), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 7% paid more than 5% of income. 10% of homeowners reported paying no premium.
New Mexico
The typical (median) New Mexico homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 36 of 51, where 1 is highest; U.S. $1,500). The average was $1,612 (±$41). Half of payers fell between $820 and $2,000. The average premium was +47% higher than in 2019 ($1,096), compared with 23% inflation. For the typical payer, insurance cost 1.4% of household income, and 13% paid more than 5% of income. 22% of homeowners reported paying no premium.
New York
The typical (median) New York homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 33 of 51, where 1 is highest; U.S. $1,500). The average was $1,799 (±$18). Half of payers fell between $800 and $2,100. The average premium was +32% higher than in 2019 ($1,362), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 9% paid more than 5% of income. 11% of homeowners reported paying no premium.
North Carolina
The typical (median) North Carolina homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 31 of 51, where 1 is highest; U.S. $1,500). The average was $1,612 (±$15). Half of payers fell between $900 and $2,000. The average premium was +47% higher than in 2019 ($1,094), compared with 23% inflation. For the typical payer, insurance cost 1.3% of household income, and 10% paid more than 5% of income. 12% of homeowners reported paying no premium.
North Dakota
The typical (median) North Dakota homeowner who pays for home insurance paid $1,500 a year in 2024 (rank 21 of 51, where 1 is highest; U.S. $1,500). The average was $1,769 (±$52). Half of payers fell between $1,000 and $2,200. The average premium was +35% higher than in 2019 ($1,312), compared with 23% inflation. For the typical payer, insurance cost 1.4% of household income, and 8% paid more than 5% of income. 16% of homeowners reported paying no premium.
Ohio
The typical (median) Ohio homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 40 of 51, where 1 is highest; U.S. $1,500). The average was $1,372 (±$13). Half of payers fell between $800 and $1,600. The average premium was +43% higher than in 2019 ($960), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 8% paid more than 5% of income. 11% of homeowners reported paying no premium.
Oklahoma
The typical (median) Oklahoma homeowner who pays for home insurance paid $2,200 a year in 2024 (rank 5 of 51, where 1 is highest; U.S. $1,500). The average was $2,476 (±$33). Half of payers fell between $1,400 and $3,100. The average premium was +47% higher than in 2019 ($1,680), compared with 23% inflation. For the typical payer, insurance cost 2.3% of household income, and 19% paid more than 5% of income. 17% of homeowners reported paying no premium.
Oregon
The typical (median) Oregon homeowner who pays for home insurance paid $1,100 a year in 2024 (rank 41 of 51, where 1 is highest; U.S. $1,500). The average was $1,417 (±$22). Half of payers fell between $750 and $1,700. The average premium was +53% higher than in 2019 ($923), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 8% paid more than 5% of income. 8% of homeowners reported paying no premium.
Pennsylvania
The typical (median) Pennsylvania homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 46 of 51, where 1 is highest; U.S. $1,500). The average was $1,320 (±$15). Half of payers fell between $720 and $1,500. The average premium was +37% higher than in 2019 ($967), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 7% paid more than 5% of income. 11% of homeowners reported paying no premium.
Rhode Island
The typical (median) Rhode Island homeowner who pays for home insurance paid $1,800 a year in 2024 (rank 9 of 51, where 1 is highest; U.S. $1,500). The average was $2,144 (±$59). Half of payers fell between $1,200 and $2,600. The average premium was +44% higher than in 2019 ($1,489), compared with 23% inflation. For the typical payer, insurance cost 1.5% of household income, and 12% paid more than 5% of income. 12% of homeowners reported paying no premium.
South Carolina
The typical (median) South Carolina homeowner who pays for home insurance paid $1,300 a year in 2024 (rank 27 of 51, where 1 is highest; U.S. $1,500). The average was $1,751 (±$21). Half of payers fell between $950 and $2,000. The average premium was +39% higher than in 2019 ($1,263), compared with 23% inflation. For the typical payer, insurance cost 1.5% of household income, and 12% paid more than 5% of income. 14% of homeowners reported paying no premium.
South Dakota
The typical (median) South Dakota homeowner who pays for home insurance paid $1,700 a year in 2024 (rank 12 of 51, where 1 is highest; U.S. $1,500). The average was $1,973 (±$61). Half of payers fell between $1,200 and $2,500. The average premium was +62% higher than in 2019 ($1,218), compared with 23% inflation. For the typical payer, insurance cost 1.7% of household income, and 10% paid more than 5% of income. 16% of homeowners reported paying no premium.
Tennessee
The typical (median) Tennessee homeowner who pays for home insurance paid $1,400 a year in 2024 (rank 26 of 51, where 1 is highest; U.S. $1,500). The average was $1,647 (±$19). Half of payers fell between $970 and $2,000. The average premium was +37% higher than in 2019 ($1,199), compared with 23% inflation. For the typical payer, insurance cost 1.5% of household income, and 10% paid more than 5% of income. 13% of homeowners reported paying no premium.
Texas
The typical (median) Texas homeowner who pays for home insurance paid $2,200 a year in 2024 (rank 4 of 51, where 1 is highest; U.S. $1,500). The average was $2,656 (±$17). Half of payers fell between $1,300 and $3,500. The average premium was +57% higher than in 2019 ($1,687), compared with 23% inflation. For the typical payer, insurance cost 2.0% of household income, and 16% paid more than 5% of income. 16% of homeowners reported paying no premium.
Utah
The typical (median) Utah homeowner who pays for home insurance paid $1,100 a year in 2024 (rank 42 of 51, where 1 is highest; U.S. $1,500). The average was $1,406 (±$24). Half of payers fell between $700 and $1,700. The average premium was +60% higher than in 2019 ($879), compared with 23% inflation. For the typical payer, insurance cost 0.9% of household income, and 6% paid more than 5% of income. 9% of homeowners reported paying no premium.
Vermont
The typical (median) Vermont homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 49 of 51, where 1 is highest; U.S. $1,500). The average was $1,290 (±$54). Half of payers fell between $700 and $1,500. The average premium was +33% higher than in 2019 ($971), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 6% paid more than 5% of income. 10% of homeowners reported paying no premium.
Virginia
The typical (median) Virginia homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 37 of 51, where 1 is highest; U.S. $1,500). The average was $1,604 (±$17). Half of payers fell between $800 and $2,000. The average premium was +45% higher than in 2019 ($1,108), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 7% paid more than 5% of income. 10% of homeowners reported paying no premium.
Washington
The typical (median) Washington homeowner who pays for home insurance paid $1,200 a year in 2024 (rank 35 of 51, where 1 is highest; U.S. $1,500). The average was $1,620 (±$20). Half of payers fell between $850 and $2,000. The average premium was +46% higher than in 2019 ($1,107), compared with 23% inflation. For the typical payer, insurance cost 1.0% of household income, and 7% paid more than 5% of income. 10% of homeowners reported paying no premium.
West Virginia
The typical (median) West Virginia homeowner who pays for home insurance paid $1,000 a year in 2024 (rank 51 of 51, where 1 is highest; U.S. $1,500). The average was $1,129 (±$28). Half of payers fell between $600 and $1,400. The average premium was +28% higher than in 2019 ($881), compared with 23% inflation. For the typical payer, insurance cost 1.2% of household income, and 8% paid more than 5% of income. 19% of homeowners reported paying no premium.
Wisconsin
The typical (median) Wisconsin homeowner who pays for home insurance paid $1,100 a year in 2024 (rank 45 of 51, where 1 is highest; U.S. $1,500). The average was $1,317 (±$18). Half of payers fell between $790 and $1,500. The average premium was +45% higher than in 2019 ($911), compared with 23% inflation. For the typical payer, insurance cost 1.1% of household income, and 7% paid more than 5% of income. 12% of homeowners reported paying no premium.
Wyoming
The typical (median) Wyoming homeowner who pays for home insurance paid $1,600 a year in 2024 (rank 14 of 51, where 1 is highest; U.S. $1,500). The average was $2,024 (±$89). Half of payers fell between $1,000 and $2,500. The average premium was +67% higher than in 2019 ($1,208), compared with 23% inflation. For the typical payer, insurance cost 1.8% of household income, and 15% paid more than 5% of income. 13% of homeowners reported paying no premium.
Run a business from home?
A standard homeowners policy usually covers little or no business property and doesn’t cover business liability, such as a client getting hurt at your home office or a mistake in your work. If you run a business from home, ask your insurer about a home-business add-on or a separate business policy. For flood risk, see business flood insurance claims by state.
Need business coverage for a home-based business?
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Methods and limits
- Source: U.S. Census Bureau, American Community Survey (ACS) 1-year Public Use Microdata Sample (PUMS), 2024 and 2019, pulled from the Census API. Variable INSP: yearly cost of fire, hazard and flood insurance on the property, as reported by the household.
- Who’s counted: owner-occupied homes (TEN 1–2), including those with and without a mortgage. Medians and averages include only homes reporting a premium above $0. That covers 859,074 survey records in 2024. Homes where insurance is paid through the mortgage escrow are included, because the survey asks for the insurance cost no matter how it’s paid.
- Weights and error: estimates use household weights (WGTP). Margins of error for the average use the Census Bureau’s 80 replicate weights, at the 90% level. Answers cluster at round numbers, so medians often land on even hundreds.
- Dollars: amounts are as reported in each survey year, not adjusted for inflation. Inflation comparisons use the CPI-U annual average (2019–2024, BLS). The Census Bureau also caps very high values (top-coding).
- What it isn’t: this isn’t a price quote. A new policy today may cost more or less than what existing owners reported in 2024. The 2025 ACS has been delayed. We’ll update this page when it comes out.
Sources
- U.S. Census Bureau, ACS Public Use Microdata Sample (via the Census API)
- BLS Consumer Price Index (CUUR0000SA0, annual average)
Cite this data
Reporters and bloggers may use these numbers and charts. Please credit StartBusinessByState and link to this page.
Source: StartBusinessByState, “What Homeowners Pay for Home Insurance, by State (Census Data),” https://startbusinessbystate.com/home-insurance-cost-by-state/ (updated October 8, 2026).
FAQ
What is the average cost of home insurance by state?
In 2024, the typical (median) homeowner who pays a premium paid $1,500 a year nationally, and the average was $1,911, according to Census ACS microdata. Florida was highest ($2,500 median) and West Virginia was lowest ($1,000).
Which state has the most expensive home insurance?
Florida, with a median premium of $2,500 a year, followed by Louisiana ($2,400) and Colorado ($2,300).
How much has home insurance gone up?
The average premium homeowners reported rose 50% from 2019 to 2024, compared with 23% overall inflation.
Is this data current?
It’s the latest Census data for every state (2024). The 2025 survey release has been delayed. Premiums may have changed since 2024.
Where does this data come from?
The U.S. Census Bureau’s American Community Survey 2024 microdata, where homeowners report their yearly insurance cost. We calculated the medians, averages and margins of error from the official survey weights.
Last updated October 8, 2026 by StartBusinessByState.