Most Expensive Home Insurance Rates in the U.S. for 2025
Highest-Priced Home Insurance Rates Across Eight States in 2025
In the United States, homeowners in certain states are facing significantly higher costs for home insurance than the national average. According to recent data, Florida, Louisiana, and Texas are expected to have the most expensive home insurance rates in 2025.
Florida, known for its vulnerability to powerful storms, has the highest average home insurance premiums in the country. Residents pay an average of $5,695 per year for coverage, with some areas seeing even higher costs. For instance, Hollywood, Florida, has an average premium of $10,856 per year.
Texas is not far behind, with an average premium of $4,078 per year, and some areas seeing even higher costs. This is due to the state's multiple threats, including tornadoes, wildfires, and hurricanes. In coastal regions, standard policies often don't cover wind damage, which can lead to additional costs. In Corpus Christi, Texas, home insurance premiums average $6,581.
Louisiana, another state at risk of hurricanes and flooding, has an average premium of $6,184 per year for a standard policy. The high risk of these natural disasters is reflected in the premiums, with homeowners paying more to protect their homes.
Oklahoma, prone to tornadoes and wind-heavy thunderstorms, has an average premium of $4,623 per year. Nebraska, with its harsh storm season, is the worst state for hail damage and intense winds. As a result, Nebraska has the highest average home insurance premiums in the U.S., with homeowners paying $6,425 annually for coverage.
Kansas, another state prone to hailstorms, has an average premium of $3,874 per year. Homeowners in Mississippi pay an average of $3,468 per year for standard home insurance.
It's worth noting that standard policies in some states may not cover flood damage, which is a common issue in Florida, where the risk of flooding is very high. In the eastern half of Oklahoma, homeowners also face higher risks of flooding.
On a national level, U.S. homeowners pay an average of $2,466 per year for $300,000 in dwelling coverage. However, this average can vary greatly depending on the state you live in.
For homeowners in these high-risk states, it may be worth checking your deductible for hurricane-related damage, as a slight increase could pay off during a hurricane insurance claim. It's always a good idea to review your policy regularly and consider any additional coverage that may be necessary to fully protect your home.
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