Home Insurance Cost by State 2023
The average cost of homeowners insurance in the United States is $1,383 per year for $250,000 in dwelling coverage, although your actual cost may vary depending on the state where you reside.
When looking for home insurance, knowing the national average as well as how your state’s average premium compares may be a helpful reference when getting estimates for back-home insurance. The tables below provide a fast comparison of the average homeowners’ insurance between Texas, Florida, Georgia and California.
The tables below represent the annual premium for average annual premium for $250k dwelling coverages for states like Texas, Florida, Georgia, and California. Followed by the tables includes the major perils that can affect your premiums in the mentioned states.
Texas
| City | Average annual premium for $250K dwelling coverage |
| Arlington | $2,375 |
| Austin | $1,320 |
| Corpus Christi | $1,920 |
| Dallas | $2,181 |
| El Paso | $1,119 |
| Fort Worth | $2,291 |
| Garland | $2,236 |
| Houston | $1,991 |
| Irving | $2,236 |
| Laredo | $1,387 |
| Lubbock | $2,096 |
| Plano | $2,014 |
| San Antonio | $1,464 |
| Waco | $1,698 |
With 118 tornadoes reported, the Lone Star State had the highest tornado activity in 2021. With 5,576 wildfires, Texas also had the second-highest number of documented wildfires in 2021. Furthermore, Texas typically reports the most hail damage claims yearly compared to all other states.
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Florida
| City | Average annual premium for $250K dwelling coverage |
| Fort Lauderdale | $2,476 |
| Hialeah | $3,319 |
| Jacksonville | $1,063 |
| Miami | $3,090 |
| Orlando | $1,432 |
| St. Petersburg | $1,122 |
| Tampa | $1,453 |
Despite being known as the Sunshine State, Florida records the highest rainfall in the country. It has a long coastline and a narrow shape. Much of the state is vulnerable to flooding, wind damage, and hurricanes. Thus, this makes Florida a tough market for homeowners’ insurance.
Source: Forbes Advisor
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Georgia
| City | Average annual premium for $250K dwelling coverage |
| Atlanta | $1,386 |
| Augusta | $1,413 |
| Columbus | $1,461 |
| Macon | $1,379 |
| Savannah | $1,421 |
Although Georgia may not come to mind when thinking of tornadoes, it’s a common occurrence in the Peach State. Furthermore, even though only a small fraction of Georgia is on the shore, hurricane damage is typical. There are areas in the state that are also susceptible to flooding.
California
| City | Average annual premium for $250K dwelling coverage |
| Anaheim | $1,095 |
| Bakersfield | $976 |
| Chula Vista | $984 |
| Fontana | $1,178 |
| Fremont | $899 |
| Fresno | $954 |
| Irvine | $1,085 |
| Long Beach | $1,144 |
| Los Angeles | $1,385 |
| Modesto | $918 |
| Oakland | $1,071 |
| Riverside | $1,156 |
| Sacramento | $925 |
| San Bernardino | $1,225 |
| San Diego | $974 |
| San Francisco | $1,033 |
| San Jose | $867 |
| Santa Ana | $1,064 |
| Stockton | $961 |
California, aka the Golden State, is renowned for its natural beauty and laid-back attitude, yet residents face several dangers. The ten most costly wildfires in American history occurred in California, where they are frequently seen. As earthquakes are another constant threat in the state, home insurance with additional Earthquake coverage is a must.
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