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As of Oct. 22, 2026 · newest Treasury data: 2022
Homeowners insurance prices vary a lot by state and even by ZIP code. Treasury published the most detailed public data so far; here it is by state, plus a lookup for your own ZIP.
Source: Treasury FIO report · FIO ZIP data
See the 2022 average for your state's typical ZIP or your own ZIP code, and optionally compare your bill. The ZIP file is downloaded to your phone and looked up there; nothing you type is sent to us.
Use your state's or ZIP's average as a yardstick, then get 3 or more quotes for the same coverage. An average can't price your house, roof or claims history, but if your bill is far above the typical ZIP near you, that's a reason to shop or raise your deductible.
The math:
Sources: Treasury FIO report · FIO ZIP data
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
Premium per policy for HO-3/HO-5 homeowners policies in the state's middle (median) ZIP code; the range runs from the 10th to the 90th percentile ZIP; change = the typical ZIP's change from 2018 to 2022 after inflation. * Florida: limited data (see below).
| State | Typical ZIP | Most ZIPs fall in | 2018→22 | ZIPs |
|---|---|---|---|---|
| Alabama | $1,857 | $1,670–$2,160 | +3% | 544 |
| Alaska | $1,283 | $1,151–$1,443 | -5% | 31 |
| Arizona | $1,172 | $927–$1,563 | +11% | 328 |
| Arkansas | $1,698 | $1,514–$1,961 | +3% | 374 |
| California | $1,617 | $1,081–$2,847 | +21% | 1,552 |
| Colorado | $2,538 | $1,442–$3,433 | +21% | 419 |
| Connecticut | $1,908 | $1,555–$3,441 | +0% | 263 |
| Delaware | $1,125 | $1,002–$1,404 | +8% | 57 |
| District of Columbia | $1,628 | $1,230–$3,137 | -1% | 20 |
| Florida * | $3,211 | $2,025–$10,023 | -12% | 560 |
| Georgia | $1,635 | $1,427–$2,046 | +5% | 630 |
| Hawaii | $2,136 | $1,480–$2,719 | +11% | 25 |
| Idaho | $1,235 | $1,010–$1,638 | +17% | 211 |
| Illinois | $1,563 | $1,367–$1,853 | +14% | 1,193 |
| Indiana | $1,465 | $1,277–$1,679 | +3% | 672 |
| Iowa | $1,602 | $1,427–$1,847 | +12% | 580 |
| Kansas | $2,289 | $1,971–$2,780 | +5% | 414 |
| Kentucky | $1,526 | $1,321–$1,833 | -1% | 466 |
| Louisiana | $2,438 | $1,769–$3,370 | +7% | 337 |
| Maine | $1,149 | $1,013–$1,698 | +5% | 396 |
| Maryland | $1,520 | $1,193–$2,185 | +9% | 423 |
| Massachusetts | $1,850 | $1,438–$3,426 | +3% | 500 |
| Michigan | $1,171 | $935–$1,532 | -0% | 913 |
| Minnesota | $1,858 | $1,493–$2,419 | +13% | 688 |
| Mississippi | $1,921 | $1,561–$2,410 | +4% | 333 |
| Missouri | $1,989 | $1,740–$2,392 | +10% | 701 |
| Montana | $1,823 | $1,437–$2,458 | +10% | 167 |
| Nebraska | $2,434 | $2,087–$2,926 | +14% | 288 |
| Nevada | $1,077 | $883–$1,547 | +7% | 138 |
| New Hampshire | $1,365 | $1,148–$1,781 | +3% | 238 |
| New Jersey | $1,598 | $1,304–$2,641 | +2% | 563 |
| New Mexico | $1,451 | $1,090–$2,385 | +4% | 201 |
| New York | $1,218 | $909–$3,074 | +4% | 1,536 |
| North Carolina | $1,319 | $1,058–$1,753 | +8% | 725 |
| North Dakota | $1,930 | $1,682–$2,250 | +8% | 88 |
| Ohio | $1,239 | $1,074–$1,444 | +4% | 1,032 |
| Oklahoma | $2,525 | $2,087–$3,203 | +4% | 423 |
| Oregon | $1,153 | $981–$1,424 | +14% | 342 |
| Pennsylvania | $1,015 | $859–$1,473 | +3% | 1,524 |
| Rhode Island | $2,001 | $1,738–$2,960 | +6% | 74 |
| South Carolina | $1,460 | $1,211–$2,257 | +1% | 367 |
| South Dakota | $1,794 | $1,540–$2,283 | +21% | 180 |
| Tennessee | $1,677 | $1,372–$2,078 | +1% | 552 |
| Texas | $2,249 | $1,710–$3,006 | +3% | 1,510 |
| Utah | $1,041 | $921–$1,373 | +18% | 248 |
| Vermont | $1,203 | $1,034–$1,709 | -2% | 247 |
| Virginia | $1,280 | $977–$1,863 | +9% | 748 |
| Washington | $1,304 | $1,115–$1,699 | +8% | 511 |
| West Virginia | $1,143 | $1,013–$1,323 | -4% | 456 |
| Wisconsin | $1,199 | $1,015–$1,458 | +7% | 722 |
| Wyoming | $1,667 | $1,250–$2,262 | +8% | 83 |
Source: FIO ZIP data · Census ZCTA file. Our roll-up; method below.
Treasury's report links higher premiums to climate-related risk (ZIPs with the highest expected losses from hurricanes, wildfires, tornadoes and other perils paid more), plus inflation in rebuilding costs and reinsurance prices. It found premiums rose fastest in the central and western U.S., and that nonrenewal rates were higher in the riskiest ZIP codes.
Source: Treasury FIO report · Treasury release
Treasury disclaimer: “The U.S. government (including Treasury) makes no warranty as to the quality, accuracy, correctness, completeness, or usefulness of the Supporting Underlying Metrics and expressly disclaims liability for errors or omissions in this information and materials.”
Not a quote and not advice. Averages for comparison only. Your price depends on your home, rebuild cost, roof, deductible, claims history and insurer.
About $1,737 a year per policy in 2022 (about $145 a month) for standard HO-3/HO-5 policies, per the U.S. Treasury's Federal Insurance Office. That was 8.7% more than in 2018 after inflation.
In Treasury's 2022 ZIP-level data, the typical ZIP code cost most in Colorado ($2,538), Oklahoma ($2,525), Louisiana ($2,438). Florida's data is too limited to rank.
In the typical ZIP code: Pennsylvania ($1,015), Utah ($1,041), Nevada ($1,077) (2022, Treasury data).
Tennessee's typical ZIP code averaged $1,677 a year per policy in 2022; most Tennessee ZIPs ran $1,372 to $2,078 (Treasury data).
Yes. Treasury released 2018–2022 averages for 25,593 ZIP codes that had at least 10 insurers and 50 policies. Type your ZIP in the lookup on this page; it runs on your phone.
No. It's an average across every home, coverage amount and deductible, and it's from 2022. Use it as a yardstick and compare quotes for the same coverage.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.