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.

Sources: NAIC Homeowners Insurance Report and FEMA National Risk Index. Data as of 2024-12-31. Methodology.