Home insurance by state, and what a column can honestly hold

Three things is not a small number. A regulator either clears a rate before it can be charged or reviews it afterward; a state either has an insurer of last resort or it does not; a hurricane deductible either has a regulated regime behind it or is left to the contract. Each carries its own date, and the dates are not the same date. The premium column is different in kind, and the two columns that are absent are worth more than the four that are here.

Homeowners insurance by state: what each column is measuring

The premium band, on 2023 data

The ordering comes from the association of state insurance regulators, in the edition of its homeowners report titled Data for 2023, published July 2026. It uses the HO-3 form, which carried close to 79 percent of owner-occupied homeowners exposures countrywide in 2023. The band is a quintile: jurisdictions sorted by their HO-3 average and cut into fifths. The sorting is ours; the averages under it are not.

It is a weaker measurement than a dollar sign suggests. Hold the country fixed, hold the form at HO-3, and change only the amount of insurance: on 2023 data the average at the largest band runs about four and a half times the average at the smallest. One form, one year, one country, and that spread comes from nothing but the size of the houses. Most pairs of states differ by less.

The insurer of last resort, 2018 to 2022

Two appendices of a Treasury report carry this: one names the state mechanisms, the other what each plan covers. Across 2018 to 2022, twenty-nine rows are FAIR plans, two are coastal wind plans alone, and three states run both. That window is why Colorado reads as it does: created by statute in 2023, with the report's own footnote saying it was not expected to issue policies until 2025.

The hurricane or named-storm deductible, as of June 2025

Nineteen states and the District of Columbia had some form of hurricane or named-storm deductible in place as of June 2025. The blank reads not specifically regulated rather than no, because the source says in its next breath that other states may allow insurers to include one anyway. The triggers differ too: a storm categorized as a hurricane for one, any named tropical system for the other.

The rate approval regime, on a Fall 2022 compilation

Five named regimes, from a federal report published January 2025 resting on an association compilation of Fall 2022: prior approval, file-and-use, use-and-file, flex band, open rating. A 2022 vintage would be indefensible in a premium column and is tolerable here, because a rate regime changes by statute rather than by market.

What the home insurance by state table leaves out

A dollar premium for every state

The copyright page bars reproducing any part of the premium report, in any form or by any means, without written permission, and a fifty-one row dollar column is a reproduction of that table. The report's own objection is the better one: premium is set by the amount of insurance bought, the property and perils covered, and the limits and deductibles chosen, and the average folds all of it into a quotient that cannot be unfolded.

A non-renewal rate for every state

This one is public domain, machine-readable and unusable. The federal workbook behind it records 25,593 ZIP Codes a year from 2018 through 2022, with no state field and no policy counts, so every state figure is somebody's own unweighted aggregation.

Then there is Texas. All 7,550 Texas rows in that 2018 to 2022 file carry a literal zero in the non-renewal field and the two cancellation fields beside it, because Texas insurers did not report those items, while claim frequency, severity and loss ratio in the same rows are populated normally. A zero is not a blank. It averages, it sorts, it renders. Compute state figures without knowing that and Texas comes out first in the country for lowest non-renewal, the reverse of what those years did. The published report drops Texas from its own map and arithmetic. The spreadsheet does not.

Florida has the same defect and no footnote anywhere. Between a quarter and a half of its ZIP-year records carry zero non-renewal, and the state lands fifth from the bottom for the exact span of its market upheaval. The cause sits in the workbook's disclaimer: the collection excludes residual market plans and surplus lines insurers. In Florida the non-renewed policies moved into Citizens Property Insurance Corporation, a state-created insurer of last resort outside the collection, so the file measures the voluntary market after the departures and calls the remainder calm.

State home insurance rules without a cell

Credit-based insurance scoring is the obvious seventh column, and it is a paragraph here because the restriction is drafted per line of business. A state can bar credit history in automobile insurance and permit it on the dwelling, so a one-word cell would answer a question that has two answers. Commercial summaries make that mistake and disagree with one another by more than double.

The regulators' own topic page names no state at all. It says only that in most states these scores cannot be the sole reason to raise a rate or to deny, cancel or refuse to renew. Where a state goes further, its statute says so in words scoped to this line: Maryland's code, at 27-501(e-2)(2), opens “With respect to homeowner’s insurance” and then forbids refusing to underwrite, canceling, refusing to renew, or rating on credit history.

Behind the homeowners insurance by state table

Questions the home insurance by state table raises