$2,165
National county average (2024)
2,624
Counties with data
$8,402
Highest: Monroe, FL
$879
Lowest: Ada, ID
Most expensive counties for home insurance
The 25 US counties with the highest average annual homeowners insurance premium (Escrow 2024).
| Rank | County | State | Avg. annual premium |
|---|---|---|---|
| 1 | Monroe | Florida | $8,402 |
| 2 | Orleans | Louisiana | $6,445 |
| 3 | Broward | Florida | $6,075 |
| 4 | Plaquemines | Louisiana | $6,032 |
| 5 | Franklin | Florida | $5,628 |
| 6 | Pitkin | Colorado | $5,520 |
| 7 | Miami-Dade | Florida | $5,493 |
| 8 | Palm Beach | Florida | $5,482 |
| 9 | Martin | Florida | $5,361 |
| 10 | Jefferson | Louisiana | $5,150 |
| 11 | Teton | Wyoming | $5,106 |
| 12 | Douglas | Colorado | $5,037 |
| 13 | Dare | North Carolina | $4,960 |
| 14 | St. Charles | Louisiana | $4,852 |
| 15 | Elbert | Colorado | $4,760 |
| 16 | St. Tammany | Louisiana | $4,551 |
| 17 | Collier | Florida | $4,431 |
| 18 | St. John the Baptist | Louisiana | $4,412 |
| 19 | Assumption | Louisiana | $4,361 |
| 20 | Phillips | Colorado | $4,274 |
| 21 | St. Mary | Louisiana | $4,252 |
| 22 | Gulf | Florida | $4,226 |
| 23 | Carteret | North Carolina | $4,218 |
| 24 | Summit | Colorado | $4,181 |
| 25 | Arapahoe | Colorado | $4,179 |
Cheapest counties for home insurance
The 25 US counties with the lowest average annual homeowners insurance premium (Escrow 2024).
| Rank | County | State | Avg. annual premium |
|---|---|---|---|
| 1 | Ada | Idaho | $879 |
| 2 | Juniata | Pennsylvania | $963 |
| 3 | Galax | Virginia | $971 |
| 4 | Lycoming | Pennsylvania | $987 |
| 5 | Bedford | Pennsylvania | $1,003 |
| 6 | Jefferson | Pennsylvania | $1,004 |
| 7 | Chemung | New York | $1,015 |
| 8 | Franklin | Pennsylvania | $1,033 |
| 9 | Tioga | Pennsylvania | $1,039 |
| 10 | Cambria | Pennsylvania | $1,042 |
| 11 | Chautauqua | New York | $1,043 |
| 12 | Wayne | New York | $1,050 |
| 13 | Northumberland | Pennsylvania | $1,064 |
| 14 | Pleasants | West Virginia | $1,084 |
| 15 | Bradford | Pennsylvania | $1,084 |
| 16 | Mifflin | Pennsylvania | $1,086 |
| 17 | Seneca | New York | $1,088 |
| 18 | Broome | New York | $1,088 |
| 19 | Blair | Pennsylvania | $1,091 |
| 20 | Fulton | Pennsylvania | $1,091 |
| 21 | McKean | Pennsylvania | $1,098 |
| 22 | Hancock | West Virginia | $1,101 |
| 23 | Armstrong | Pennsylvania | $1,105 |
| 24 | Linn | Oregon | $1,113 |
| 25 | Clearfield | Pennsylvania | $1,114 |
All counties, one row each. Free to reuse with attribution (CC BY 4.0).
Home insurance by state
Average premium is the simple mean of each state's natively covered counties. States with at least 10 covered counties link to a full county table. Click a column header to re-sort.
| Florida | $3,409 | 66 of 67 |
| Colorado | $3,139 | 51 of 64 |
| Nebraska | $3,137 | 58 of 93 |
| South Dakota | $3,009 | 19 of 66 |
| Oklahoma | $2,865 | 64 of 77 |
| Louisiana | $2,779 | 59 of 64 |
| Rhode Island | $2,719 | 5 of 5 |
| Hawaii | $2,658 | 4 of 5 |
| Mississippi | $2,617 | 68 of 82 |
| Minnesota | $2,604 | 85 of 87 |
| Massachusetts | $2,595 | 14 of 14 |
| Kansas | $2,573 | 30 of 105 |
| Wyoming | $2,408 | 21 of 23 |
| Arkansas | $2,407 | 68 of 75 |
| Montana | $2,368 | 41 of 56 |
| Iowa | $2,328 | 93 of 99 |
| Connecticut | $2,324 | state-level * |
| Alabama | $2,273 | 65 of 67 |
| Illinois | $2,245 | 85 of 102 |
| Kentucky | $2,232 | 94 of 120 |
| New Mexico | $2,207 | 27 of 33 |
| Texas | $2,185 | 183 of 254 |
| North Dakota | $2,182 | 25 of 53 |
| Maryland | $2,177 | 24 of 23 |
| District of Columbia | $2,154 | 1 of 1 |
| Missouri | $2,142 | 87 of 114 |
| Michigan | $2,130 | 69 of 83 |
| Georgia | $2,109 | 146 of 159 |
| New Jersey | $2,104 | 21 of 21 |
| North Carolina | $2,080 | 98 of 100 |
| New Hampshire | $2,013 | 10 of 10 |
| California | $2,000 | 57 of 58 |
| Tennessee | $1,988 | 92 of 95 |
| South Carolina | $1,953 | 45 of 46 |
| Indiana | $1,919 | 92 of 92 |
| Washington | $1,824 | 39 of 39 |
| Virginia | $1,769 | 131 of 129 |
| Ohio | $1,768 | 88 of 88 |
| Alaska | $1,750 | 7 of 30 |
| Arizona | $1,688 | 14 of 15 |
| Delaware | $1,681 | 3 of 3 |
| Vermont | $1,632 | 13 of 14 |
| New York | $1,602 | 62 of 62 |
| Wisconsin | $1,593 | 69 of 72 |
| Utah | $1,552 | 23 of 29 |
| Idaho | $1,543 | 42 of 44 |
| Maine | $1,499 | 16 of 16 |
| Oregon | $1,415 | 33 of 36 |
| Nevada | $1,403 | 15 of 17 |
| West Virginia | $1,373 | 36 of 55 |
| Pennsylvania | $1,317 | 66 of 67 |
* Connecticut's counties are planning regions with no native escrow value; the figure shown is the statewide average.
Methodology
These figures come from mortgage-escrow data: when a homeowner pays their property insurance through an escrow account bundled with their mortgage, the payment amount is recorded, which makes it a direct read on what people actually pay rather than an advertised quote. The county values were compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579.
The underlying panel spans 2014 to 2024, and the premiums shown here are the most recent year, 2024. Each county value is the median annual insurance payment for owner-occupied homes with a mortgage escrow account in that county. The national and state averages on this page are simple means across the covered counties, so they weight each county equally rather than by population.
One coverage caveat: escrow data reflects mortgaged, owner-occupied homes, so counties with very few such mortgages can be absent, and homes owned outright or insured outside an escrow account are not represented. We publish only counties with a natively measured value, which is why some states show fewer counties than they contain.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "County-Level Home Insurance Costs, 2014-2024," https://hearthmap.app/home-insurance-by-county. Based on Keys and Mulder, NBER Working Paper 32579.
Explore the data
Home insurance by county: frequently asked questions
- What is the average cost of homeowners insurance in the US?
- Across 2,624 US counties, the average homeowners insurance premium was $2,165 per year in 2024, based on mortgage-escrow payments compiled by Keys and Mulder (NBER Working Paper 32579).
- Which US county has the most expensive home insurance?
- Monroe, Florida had the highest average homeowners insurance premium at $8,402 per year in 2024.
- Which US county has the cheapest home insurance?
- Ada, Idaho had the lowest average homeowners insurance premium at $879 per year in 2024.
- Where does this home insurance data come from?
- The figures come from county mortgage-escrow payments analyzed by Benjamin Keys and Philip Mulder in NBER Working Paper 32579. The panel runs from 2014 to 2024, and the premiums shown are for 2024.
- Can I download the home insurance by county data?
- Yes. The full county dataset is available as a free CSV under a Creative Commons Attribution 4.0 license; use the download link on this page and credit HearthMap.
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