Highest homeowners-insurance budget counties
A ranked view of counties where the modeled homeowners-insurance planning budget is highest.
Top counties
| Rank | County | Metric | Context |
|---|---|---|---|
| 1 | Collier County, Florida | $7,297/yr modeled budget | FEMA risk 98.92; $540,700 median home |
| 2 | Monroe County, Florida | $7,136/yr modeled budget | FEMA risk 91.6; $780,600 median home |
| 3 | Collin County, Texas | $6,667/yr modeled budget | FEMA risk 98.85; $475,600 median home |
| 4 | Travis County, Texas | $6,625/yr modeled budget | FEMA risk 97.74; $523,000 median home |
| 5 | Fort Bend County, Texas | $6,614/yr modeled budget | FEMA risk 97.46; $374,500 median home |
| 6 | Denton County, Texas | $6,593/yr modeled budget | FEMA risk 96.91; $437,200 median home |
| 7 | Montgomery County, Texas | $6,548/yr modeled budget | FEMA risk 95.74; $346,200 median home |
| 8 | Comal County, Texas | $6,431/yr modeled budget | FEMA risk 92.68; $427,200 median home |
| 9 | Tarrant County, Texas | $6,391/yr modeled budget | FEMA risk 99.14; $323,900 median home |
| 10 | Hays County, Texas | $6,349/yr modeled budget | FEMA risk 90.55; $399,800 median home |
| 11 | Williamson County, Texas | $6,332/yr modeled budget | FEMA risk 90.11; $447,000 median home |
| 12 | Miami-Dade County, Florida | $6,273/yr modeled budget | FEMA risk 99.62; $463,000 median home |
| 13 | St. Johns County, Florida | $6,169/yr modeled budget | FEMA risk 87.53; $489,200 median home |
| 14 | Galveston County, Texas | $6,073/yr modeled budget | FEMA risk 95.39; $314,600 median home |
| 15 | Palm Beach County, Florida | $6,046/yr modeled budget | FEMA risk 99.2; $447,300 median home |
| 16 | Ellis County, Texas | $6,007/yr modeled budget | FEMA risk 81.62; $348,600 median home |
| 17 | Dallas County, Texas | $5,996/yr modeled budget | FEMA risk 99.65; $303,000 median home |
| 18 | Parker County, Texas | $5,987/yr modeled budget | FEMA risk 81.11; $375,900 median home |
| 19 | Burnet County, Texas | $5,815/yr modeled budget | FEMA risk 76.62; $344,000 median home |
| 20 | Brazoria County, Texas | $5,763/yr modeled budget | FEMA risk 93.64; $301,600 median home |
How to read this ranking
The table is a doorway into the underlying county pages, not a standalone recommendation. Open a county to see the effective tax rate, median home value, insurance budget, PITI assumptions, source attribution, confidence label, and data as-of date.
Confidence: Low for modeled insurance budgets because carrier quotes are property-specific. Data as of 2026-06-22.
Sources: U.S. Census Bureau ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index, depending on the metric.
Disclaimer: Estimates for budgeting only — not a tax bill, not an insurance quote, not legal or tax advice. Verify with the county assessor and a licensed professional before making financial decisions.