Mapseconomics

Map of Homeowners Insurance Cost by US State

As of Escrow 2024, homeowners insurance cost ranges from $1,258 in Idaho to $3,637 in Florida across US states, with a median of $2,194 among the 51 states with data. Source: Keys-Mulder escrow dataset (NBER WP 32579).

Median annual property insurance payment for owner-occupied homes with a mortgage escrow account. County-level escrow data from Keys and Mulder (NBER). Higher means more expensive.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Choropleth map of Homeowners Insurance Cost across US states (Escrow 2024), by hearthmap
Homeowners Insurance Cost by US state. Source: Keys-Mulder escrow dataset (NBER WP 32579).

Category

economics

Native level

County

Unit

US dollars

Vintage

Escrow 2024

States ranked by homeowners insurance cost

51 states with data (Escrow 2024). Top 10 highest and bottom 10 lowest.

Top 10 states by homeowners insurance cost
RankStateValue
1Florida$3,637
2Colorado$3,588
3Nebraska$3,209
4Louisiana$3,092
5Oklahoma$3,007
6South Dakota$2,999
7Minnesota$2,874
8Hawaii$2,717
9Kansas$2,691
10Illinois$2,581
Bottom 10 states by homeowners insurance cost
RankStateValue
51Idaho$1,258
50Oregon$1,316
49Nevada$1,337
48West Virginia$1,376
47Maine$1,416
46Utah$1,431
45Pennsylvania$1,519
44Wisconsin$1,536
43Vermont$1,587
42Delaware$1,659

About this map

hearthmap renders homeowners insurance cost as a choropleth map of the United States. Zoom in to see county values shaded against the rest of the country, and click any region to see its exact value with margin of error.

You can layer filters and a custom match score on top of homeowners insurance costto find places that match what matters to you. Combine it with school ratings, housing prices, commute times, and more.

Source: Keys-Mulder escrow dataset (NBER WP 32579) · Escrow 2024

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