Homeowners insurance cost by county
Budgeting estimates for homeowners insurance on a typical $300,000 home, by county — built from public data, not carrier quotes.
Confidence: Low — a historical NAIC state benchmark adjusted for FEMA county risk, shown with a deliberately wide range.
What these insurance pages answer
Each county page estimates an annual homeowners-insurance planning budget at the county median home value. The model starts with a public NAIC state average, scales it to local home value, then applies a bounded FEMA risk adjustment.
Use the number for escrow planning, PITI comparisons, and deciding which counties deserve a deeper quote search. The range is intentionally wide because carrier price, deductible, construction, credit, claims history, and flood coverage are property-specific.
Why the confidence is Low
Insurance markets can reprice faster than public datasets update. TrueCarry keeps the source vintage visible, treats FEMA risk as relative context only, and labels the output as a budget rather than a quote.
Monthly ownership cost
- Cost to own a home by county mortgage, property tax, and insurance in one monthly benchmark
Priority county insurance budgets
- Collier County, Florida $7,297/yr modeled budget; FEMA risk 98.92
- Monroe County, Florida $7,136/yr modeled budget; FEMA risk 91.6
- Collin County, Texas $6,667/yr modeled budget; FEMA risk 98.85
- Travis County, Texas $6,625/yr modeled budget; FEMA risk 97.74
- Fort Bend County, Texas $6,614/yr modeled budget; FEMA risk 97.46
- Denton County, Texas $6,593/yr modeled budget; FEMA risk 96.91
- Montgomery County, Texas $6,548/yr modeled budget; FEMA risk 95.74
- Comal County, Texas $6,431/yr modeled budget; FEMA risk 92.68
- Tarrant County, Texas $6,391/yr modeled budget; FEMA risk 99.14
- Hays County, Texas $6,349/yr modeled budget; FEMA risk 90.55
- Williamson County, Texas $6,332/yr modeled budget; FEMA risk 90.11
- Miami-Dade County, Florida $6,273/yr modeled budget; FEMA risk 99.62
Browse state insurance guides
- Arizona homeowners insurance by county
- California homeowners insurance by county
- Florida homeowners insurance by county
- Georgia homeowners insurance by county
- Illinois homeowners insurance by county
- Michigan homeowners insurance by county
- New Jersey homeowners insurance by county
- New York homeowners insurance by county
- North Carolina homeowners insurance by county
- Ohio homeowners insurance by county
- Pennsylvania homeowners insurance by county
- Texas homeowners insurance by county
- Virginia homeowners insurance by county
- Washington homeowners insurance by county
Sources: NAIC Homeowners Insurance Report and FEMA National Risk Index. Data as of 2024-12-31. Methodology.