{"id":1929,"date":"2026-02-15T06:02:19","date_gmt":"2026-02-15T11:02:19","guid":{"rendered":"https:\/\/www.salaryfor.com\/blog\/?p=1929"},"modified":"2026-04-07T09:12:10","modified_gmt":"2026-04-07T13:12:10","slug":"states-with-the-highest-and-lowest-property-insurance-rates-ranked","status":"publish","type":"post","link":"https:\/\/salaryfor.com\/blog\/states-with-the-highest-and-lowest-property-insurance-rates-ranked\/","title":{"rendered":"States With the Highest and Lowest Property Insurance Rates Ranked"},"content":{"rendered":"\n

By <\/em>SalaryFor.com – real salaries for all professions<\/a><\/p>\n\n\n\n

Here\u2019s a ranked overview of U.S. states with the lowest and highest property (homeowners) insurance rates<\/strong> based on the most recent available data (2025\u20132026). Premiums vary widely because insurers price risk differently depending on weather events, legal climate, construction costs, and local market conditions \u2014 so averages are a useful snapshot but still vary by ZIP code and property characteristics.<\/p>\n\n\n\n

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\ud83c\udfda\ufe0f States With the Highest Property Insurance Rates (2025\u20132026)<\/strong><\/h2>\n\n\n\n

Many of the most expensive states are prone to natural disasters \u2014 hurricanes, tornadoes, hail, windstorms, or severe weather \u2014 which push insurers\u2019 costs higher and are reflected in passed-on premiums.<\/p>\n\n\n\n

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  1. Florida<\/strong> \u2013 ~$7,136 per year<\/strong>
    Often ranks at the top due to hurricane, flood, and windstorm risk driving claims and insurer pricing.<\/li>\n\n\n\n
  2. Louisiana<\/strong> \u2013 ~$5,986 per year<\/strong>
    Severe weather exposure, especially hurricanes, significantly raises cost.<\/li>\n\n\n\n
  3. Oklahoma<\/strong> \u2013 ~$7,683 per year<\/strong>
    High tornado and storm risk contribute to very high premiums.<\/li>\n\n\n\n
  4. Texas<\/strong> \u2013 ~$6,854 per year<\/strong>
    Large state with frequent storms, hail, and wind losses.<\/li>\n\n\n\n
  5. Nebraska<\/strong> \u2013 ~$6,269 per year<\/strong>
    Severe convective weather like tornadoes drives up claims and rates.<\/li>\n\n\n\n
  6. Mississippi<\/strong> \u2013 ~$5,166 per year
    Storm and hurricane exposure contribute to above-average costs.<\/li>\n\n\n\n
  7. Arkansas<\/strong> \u2013 ~$5,045 per year
    Severe weather risk and rebuilding costs influence pricing.<\/li>\n\n\n\n
  8. Montana<\/strong> \u2013 ~$4,913 per year
    Weather risk and smaller insurer presence contribute to higher rates.<\/li>\n\n\n\n
  9. Alabama<\/strong> \u2013 ~$4,637 per year
    Storm and hail exposure pushes rates above the national average.<\/li>\n\n\n\n
  10. Colorado<\/strong> \u2013 ~$4,075 per year
    Wildfire and hail risk lead to higher premiums than many states.<\/li>\n<\/ol>\n\n\n\n

    \ud83d\udccc In general: central and southern states with frequent catastrophic weather tend to see the highest premiums.<\/em><\/p>\n\n\n\n

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    \ud83c\udfe1 States With the Lowest Property Insurance Rates (2025\u20132026)<\/strong><\/h2>\n\n\n\n

    States with less frequent catastrophic weather (or, in some cases, specific coverage practices that exclude certain perils) typically have more affordable average home insurance premiums.<\/p>\n\n\n\n

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    1. Hawaii<\/strong> \u2013 ~$659 per year<\/strong>
      Often the most affordable. Low standard rates partly reflect that hurricane coverage isn\u2019t included in base policies, which lowers the base premium.<\/li>\n\n\n\n
    2. Delaware<\/strong> \u2013 ~$976 per year<\/strong>
      Low exposure to severe weather and strong insurer competition help keep costs down.<\/li>\n\n\n\n
    3. Vermont<\/strong> \u2013 ~$1,054 per year<\/strong>
      Few major disasters and smaller population help keep average premiums low.<\/li>\n\n\n\n
    4. Oregon<\/strong> \u2013 ~$1,083 per year<\/strong>
      Relatively low severe weather risk compared with many interior states.<\/li>\n\n\n\n
    5. New Hampshire<\/strong> \u2013 ~$1,152 per year<\/strong>
      Low natural disaster exposure and competitive insurance market.<\/li>\n\n\n\n
    6. Nevada<\/strong> \u2013 ~$1,212 per year
      Lower weather risk contributes to incentives for insurers.<\/li>\n\n\n\n
    7. Washington, D.C.<\/strong> \u2013 ~$1,289 per year
      Urban market setting with relatively moderate risk.<\/li>\n\n\n\n
    8. Alaska<\/strong> \u2013 ~$1,323 per year
      Despite some extreme weather, rural risk pools can limit standard policy demand.<\/li>\n\n\n\n
    9. California<\/strong> \u2013 ~$1,348 per year
      Despite high wildfire risk, competitive markets and regulatory practices can keep standard home insurance premiums moderate relative to other states \u2014 though wildfire endorsements can increase total costs.<\/li>\n\n\n\n
    10. Wisconsin<\/strong> \u2013 ~$1,388 per year
      Lower severe weather risk compared to national averages.<\/li>\n<\/ol>\n\n\n\n

      \ud83d\udccc States with less frequent severe weather and strong insurer competition tend to have lower average premiums.<\/em><\/p>\n\n\n\n

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      \ud83d\udcca What Drives These Differences?<\/strong><\/h2>\n\n\n\n

      Several key factors explain why these rankings vary:<\/p>\n\n\n\n