What does home insurance typically cost where you live?
Tap the parts of a house to set its rebuild cost, deductible and history, and see a typical homeowners premium for your state from 2023 regulator data.
What the home insurance estimator does: 9 tools
- Home insurance estimator pick a state, set the rebuild cost and deductible by typing or by tapping the walls, door, window, roof and ground of a drawn house, see the price built step by step, check a quote you were given against it, and keep five versions side by side.
- State averages on a map the 2023 NAIC average premium for all 50 states and DC, in a sortable table with ranks and a state-to-state difference.
- Eleven countries compared the yearly premium in 11 countries on a world map, each marked as official, worked out from official totals or a comparison-site average.
- Deductible break-even how much a higher deductible saves, how many claim-free years it takes to pay back, and what a percentage hurricane deductible costs in dollars.
- NFIP flood premium path how a discounted flood policy climbs toward its full-risk price under the 18% yearly cap, and the gap above the federal limits.
- Wind mitigation saving (Florida) what a wind mitigation inspection could take off the hurricane part of a Florida premium.
- My Safe Florida Home grant check the 2026 conditions one by one, how the two-for-one match and $10,000 cap split the cost, your place in the statute's priority order and how fast your share pays back.
- Roof age and four-point rules (Florida) when an insurer can ask about roof age, when Citizens wants a four-point or roof form, and the cap on a separate roof deductible.
- New roof price and claim payout price a shingle or metal roof from your region, roof area and slope, then see what a storm claim pays on a replacement-cost or actual-cash-value policy.
Not an insurer and not a quote. The range above is arithmetic on published averages. Only an insurer can tell you what it will charge for your address.
What "typical" means here
State insurance regulators collect what every insurer actually charged. Their joint body, the NAIC (National Association of Insurance Commissioners), turns that into an average premium per insured home, by state and by policy form. The most common form, HO-3, covers the house against all risks except those it lists and your belongings against named risks. For 2023, the HO-3 average across the country was $1,737 a year, from $923 in Wisconsin to $3,027 in Louisiana (NAIC Homeowners Report, data for 2023, published July 2026, Table 4).
Those are real premiums paid, not advertised prices, which is why the estimator starts from them. Their weakness is age: the NAIC publishes years after the fact, and 2023 is the latest year out. So the estimator adds one clearly labeled step to move the figure toward today's prices, then adjusts for your house.
The house in the planner
Each part of the drawing changes the setting it stands for, right where you are: the walls step the amount you insure the house for up to the next round figure, the door moves through the deductibles, the window adds or removes a past claim, the roof switches to a newly built home, and the ground adds flood cover. The claim and new-build boxes sit in the form in every mode, so a tap on the window or the roof is always visible there too. The yearly figure on the front of the house follows every tap; with flood cover on, it is the same home-plus-flood total the panel prints, rounded the same way. For an exact insured amount, use the slider or type it in the form; the slider follows what you type.
Until you choose a state, the estimate starts from the national average rather than from any one state.
The steps, one by one
| Step | Default | Where the size of the step comes from |
|---|---|---|
| State average, 2023 | your state's HO-3 figure | NAIC Homeowners Report, Table 4 |
| Price change since 2023 | +25% | Our assumption, changeable in Whole sum mode; the premium history page sets out why it sits below the headline growth in premiums written |
| Amount insured | NAIC average for your band ÷ $1,737 | NAIC 2023, Table 4: the countrywide HO-3 average for homes insured for $200,000 to $224,999 was $1,282, for $400,000 to $449,999 $1,679, for $700,000 to $999,999 $2,916 |
| Deductible | ×1.10 at $500, ×0.91 at $2,500, ×0.85 at $5,000, ×0.80 at $10,000 | $500, $5,000 and $10,000: ratios of Insurify's averages by deductible (update of November 1, 2026); $2,500: NerdWallet's 9% saving from $1,000 |
| One recent claim | ×1.10 | NerdWallet's sample with one claim against none |
| Newly built house | ×0.57 | NerdWallet's newest build against its 1984 build; a house a few years old is closer to your state's average than that |
| Poor credit-based score | ×1.72 | NerdWallet, poor against good credit; read it as an upper bound, since the state average already mixes all scores. Some states restrict or ban this factor |
The dollar figures behind these ratios are on the page about national averages and the deductible page, and the survey pages themselves are linked from sources.
The amount step assumes your state insures homes of each size in roughly the same proportions as the country as a whole. The band runs 15% either side of the result; it is our own allowance for how differently insurers price the same house, not a published range, which is why the panel calls it our estimate and never a typical price.
Three homes, worked through
A house in Tampa insured for $400,000, with a $2,500 deductible. Florida's 2023 average of $2,779 becomes $3,474 after the +25% step. The NAIC band for $400,000 to $449,999 averages $1,679, which is 0.967 of the national $1,737, so $3,358. The $2,500 deductible takes 9% off: $3,060, range $2,600 to $3,510. That ignores the hurricane deductible and wind mitigation credits, which matter more in Florida than almost anywhere; see the wind mitigation calculator.
A house in Ohio insured for $250,000, $1,000 deductible. $1,116 × 1.25 = $1,395; the $250,000 band averages $1,350, 0.777 of the national figure, giving $1,080, range $920 to $1,250, about $90 a month.
A house in Texas insured for $350,000, one claim in the last few years. $2,864 × 1.25 = $3,580; ×0.920 for the $350,000 band = $3,294; ×1.10 for the claim = $3,620, range $3,080 to $4,170.
Checking a quote you already have
Type the yearly premium into the quote box. The marker lands below, inside or above our band, and the text gives the gap to our middle figure and the state's 2023 NAIC average side by side, then what to look at:
- Well under our middle figure: read the declarations page. A dwelling limit below the rebuild cost, a roof paid at actual cash value, a percentage wind or hurricane deductible or a missing coverage are the usual reasons a price looks cheap.
- Within 15% of it: nothing stands out against the averages. Still check that Coverage A matches the rebuild cost.
- Well over it: ask which factor drives it, whether a higher deductible or a mitigation credit is on offer, and get two more quotes.
A figure under $200 gets no verdict: no state's average is anywhere near it, and it is usually a monthly payment typed by mistake. If you clear the box or type something that isn't a number, the old verdict disappears with it.
Flood is a separate bill
Standard homeowners policies don't cover flooding (FEMA flood insurance brochure, September 2024). Tap the ground under the house to add the median NFIP premium on top, the middle policy among 3.37 million rather than an average (GAO-23-105977). The flood page gives that figure with its date and works out how fast your own premium can climb.
Outside the US
The same question has a different answer in each country, and few publish an official average. The country page sets out the figures we could verify for 11 countries, from the British insurers' association to Germany's insurance federation, each marked by how it was produced.
What the estimator can't know
Your exact address and its distance from the coast or a fire station, the age and material of your roof, claims at the property before you owned it, whether the house has a pool or a trampoline, and each insurer's appetite for risk in your ZIP code. Those can move a real quote well outside any average. Use the range to spot a quote that needs questions, then let insurers compete.