Compare 2026 Homeowners Insurance Rates in Every State
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage.
In this article, we compare average homeowners insurance costs by state and highlight the most expensive and most affordable states for 2026, helping homeowners and buyers better understand their insurance outlook.
National Overview: What to Expect in 2026
- The national average for standard homeowners insurance (based on a $300,000 home with a $1,000 deductible) hovers around the mid-$2,000s annually, though this number varies depending on the data source and coverage assumptions.
High-risk states — especially those prone to hurricanes, tornadoes, hail, and wildfires — tend to have the steepest premiums.
Many states have seen rate increases in recent years due to rising natural disaster losses, stronger building costs, and reduced insurer competition.
2026 Average Homeowners Insurance Rates by State
Below is a table summarizing the average annual homeowners insurance premium for each state in 2026 (based on Insurance.com & Insure.com data for a $300,000 dwelling policy). Where available, we’ve included estimated year-over-year rate changes (most recent publicly reported changes in 2025–26), noting that exact change percentages vary by carrier and location.
| State | Avg Annual Premium (2026) | Approx. 2025 → 2026 Change |
|---|---|---|
| Alabama | $3,633 | ↑ modest rise (ongoing trend) |
| Alaska | $1,397 | flat to slight increase |
| Arizona | $2,344 | stable |
| Arkansas | $3,733 | ↑ rising trend w/ storms |
| California | $1,616 | ↑ expected in many areas |
| Colorado | $4,963 | ↑ moderate increases |
| Connecticut | $1,905 | stable |
| Delaware | $1,374 | flat |
| Florida | $7,136 | ↑ continues high levels |
| Georgia | $2,323 | stable |
| Hawaii | $659 | flat (lowest) |
| Idaho | $2,240 | stable |
| Illinois | $2,643 | ↑ moderate |
| Indiana | $2,887 | stable |
| Iowa | $2,902 | ↑ notable increases |
| Kansas | $5,260 | ↑ moderate |
| Kentucky | $4,042 | stable to ↑ |
| Louisiana | $5,986 | ↑ due to disaster risk |
| Maine | $1,335 | flat |
| Maryland | $1,918 | stable |
| Massachusetts | $1,483 | flat |
| Michigan | $2,924 | stable |
| Minnesota | $2,729 | stable |
| Mississippi | $2,529 | stable |
| Missouri | $3,979 | ↑ modest |
| Montana | $3,215 | ↑ moderate |
| Nebraska | $4,553 | ↑ some of highest increases |
| Nevada | $1,774 | stable |
| New Hampshire | $1,300 | flat |
| New Jersey | $1,421 | stable |
| New Mexico | $2,869 | stable |
| New York | $1,683 | flat |
| North Carolina | $3,124 | ↑ moderate |
| North Dakota | $2,982 | stable |
| Ohio | $2,118 | flat |
| Oklahoma | $5,010 | ↑ weather pressures |
| Oregon | $1,572 | flat |
| Pennsylvania | $1,529 | flat |
| Rhode Island | $2,445 | stable |
| South Carolina | $2,974 | ↑ mild |
| South Dakota | $3,760 | stable |
| Tennessee | $2,958 | stable |
| Texas | $4,085 | ↑ moderate |
| Utah | $1,814 | flat |
| Vermont | $1,063 | flat (among lowest) |
| Virginia | $2,074 | stable |
| Washington | $1,753 | flat |
| West Virginia | $1,860 | stable |
| Wisconsin | $1,812 | flat |
| Wyoming | $2,075 | stable |
| Washington, D.C. | $1,656 | flat |
Note on rate changes: Exact year-over-year changes vary by insurer and ZIP code. Many states saw increases in the mid-to-high single digits or higher in 2025–26 due to storm losses, wildfire risk, and regulatory changes.
Most Expensive States for Homeowners Insurance in 2026
Here are the top 5 most expensive states on average:
- Florida — $7,136: Leads the nation thanks to hurricane, wind, and storm surge risk.
2. Louisiana — $5,986: High flood and storm exposure keep premiums elevated.
3. Oklahoma — $5,010: Tornado and hail damage drive costs up.
4. Kansas — $5,260: Severe storm and tornado risk contributes to high rates.
5. Nebraska — $4,553: Strong storm activity and hail risk put this state among the costliest. These states tend to face some combination of hurricanes, tornadoes, hail storms, and high rebuild costs, pushing insurer risk higher and premiums with them.
Most Affordable States for Homeowners Insurance in 2026
Here are some of the most affordable states with the lowest average annual premiums:
- Hawaii — $659: The most affordable in the nation (partly due to limited hurricane coverage in standard policies).
- Vermont — $1,063: Low disaster risk and litigation help lower costs.
- New Hampshire — $1,300: Stable weather environment.
- Maine — $1,335: Low catastrophic exposure.
- Delaware — $1,374: Lower risk and competitive markets. Affordable states often enjoy fewer natural disaster threats and a more competitive insurance marketplace, leading to lower premiums for standard policies.
Key Takeaways
- 2026 premiums vary dramatically — from under $700 in Hawaii to well over $5,000 in storm-prone states.
Risk matters: Natural disasters, construction costs, and litigation risk are major drivers of premium differences.
Most states saw increases in the last few years, though precise change depends on insurer pricing and state trends.
Tips for Homeowners in 2026
- Compare multiple carriers — premiums can vary hundreds or even thousands of dollars by company in the same state.
- Mitigate risk — updating roofing, adding storm shutters, or addressing wildfire vulnerability can often lower premiums.
- Review policy limits and deductibles annually to ensure your coverage matches your budget and replacement cost needs.
Are you curious what homeowners insurance rates looked like last year for homeowners, read our article: Compare 2025 Homeowners Insurance Rates in Every State