Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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It’s just common sense: Every homeowner needs home insurance. But with an average home insurance cost of $732 per year, that’s easier said than done. Compare home insurance and save with InsuranceProvider.com’s ZIP code search!

Did you know that your geographic area can drastically affect your homeowner’s insurance rates? We’re talking thousands of dollars in premiums. Why are bills so high? There are a few key factors:

– Cost of the property. If you’ve got a lot of house, either in size or in value, that’s a lot of house that can be damaged or destroyed in various ways. The more your house costs, the more it’s going to set your home insurance company back to fix it. That’s reflected in your premiums.

-The weather. As you’ll notice when we get into our top five, they’re all states where the weather is severe, and likely to cause major property damage. For example, Massachusetts, which is at number six, has a high average not just because of storms along its coast, but because the entire state gets pounded with snow on a regular basis. Snow can collapse roofs, rot foundations, break windows … all of which your insurer has to pay for.

– Geography. If you live in a location that floods a lot, has erosion problems, or may have sinkholes, you’ll be paying for the privilege of keeping it insured. Again, take Massachusetts, which has Cape Cod: real estate that not only costs a fortune, but is at risk of essentially being underwater at some point.

So, who are our unlucky five?

#5) Missouri

Average Home Insurance Cost: $942 per year

Home insurance

Missouri is a rich, fertile land of many rivers, including the Missouri River, the Black River, and the Mississippi River. Unfortunately, it’s those many rivers that are precisely the problem to homeowners: Missouri gets flooded … a lot. In fact, in April 2011, there was massive flooding along the Black River that caused millions of dollars in damage … and that came hard on the heels of a tornado. This of course brings the need for flood insurance.

Which is another issue: Missouri often gets tornadoes as well. One recent tornado in Joplin, MO, killed 125 and inflicted $1 billion in damage. That was just one tornado of what can be dozens. In fact, the weather gives Missouri a real beating: the storms that caused the tornadoes can also trigger flash floods and other flooding problems. It makes Missouri’s farming land rich and bountiful, but it also ensures that keeping a home there means you pay through the nose for Missouri insurance.

#4) Kansas

Average Home Insurance Cost: $970 per year

Home insurance

It’s not really a surprise that Kansas ranks near the top of the list: out of all the US states, in terms of sheer numbers of tornadoes that touch down and cause damage, Kansas comes in third. It’s one of the most heavily hit states in what the media calls “Tornado Alley.”

Tornadoes cause billions of dollars in damage to homes and businesses, but one special problem that helps raise rates through the roof is Kansas’ thriving agricultural industry. When a tornado blows through, it doesn’t just destroy homes, it also destroys crops. Which are, of course, also insured — some under homeowner’s policies, if the crop is small enough. So, no matter what, the insurance company is going to pay … and that means you pay as well for Kansas insurance.

#3) Arkansas

Average Home Insurance Cost: $998 per year

Home insurance

Arkansas is no stranger to extreme weather, either. In fact, it’s noted for it: close enough to the Gulf of Mexico to suffer its ill effects, yet far enough inland to be pummeled by the general weather patterns of the United States. The result? Some wild, wild weather.

How wild? Hail, massive rainstorms, snowstorms, ice storms … these are typical for a year in Arkansas. And, one and all, they’re pretty hard on the homestead, which means another round of repairs for your Arkansas insurance company. Still, it could be worse: they could be…

#2) Florida

Average Home Insurance Cost: $1386/year

Home insurance

How bad does it have to be for a state to see nearly $400 dumped onto its homeowner’s insurance premiums? Pretty bad. Florida has a one-two punch that makes it impossible to keep homeowner’s insurance below four figures: the stormy weather that make it so famous, and the beautiful beaches that also make it so famous.

Keep in mind that this figure is just an average: if you’ve got a beach house in Florida, you’re more likely to be paying five figures for homeowner’s insurance. Floridian real estate is constantly in high demand, even in a struggling economy, and thus is highly valued. The closer to the coast you are, the higher the value gets.

Not even the center of the state is immune: the Gulf Coast climate means everybody gets nasty storms. All these things make it hard to find home insurance for Florida.

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#1) Oklahoma

Average Home Insurance Cost: $1530/year

Home insurance

Of all the states, Oklahoma has one particular nemesis: tornadoes.

Oklahoma has the second highest density of tornadoes in the country, beaten only by Texas; and that’s only because Texas is much, much bigger in land area. They’re at constant risk of a tornado destroying property and killing citizens. Worst of all, they strike an average of 52 times a year. That’s literally a tornado a week in Oklahoma … and that’s only an average year. All of this means Oklahoma insurance can be very expensive!

So, we’ve seen the worst. Who are the three best?

The 3 Cheapest States for Homeowner’s Insurance

#3) Oregon

Average Home Insurance Cost: $483/year

The relatively mild weather along Oregon’s coast works in its favor: the rest of the state may have fairly rainy weather, but it isn’t nearly as prone to storms or floods as our top five, and the result is lower rates for Oregon insurance.

#2) Utah

Average Home Insurance Cost: $449/year

Utah doesn’t even have a coast, and has fairly mild, if somewhat warm, weather: tornadoes are fairly rare, floods are non-existent, and even snow damage is mild, compared to the rest of the country. Also helping is the relative low cost of land: Utah, outside of Salt Lake City, has reasonably priced homes and property.

#1) Idaho

Average Home Insurance Cost: $368/year

Cheapest home insurance of all is Idaho insurance. Low real estate costs and relatively quiet and dry weather means far lower costs than anyone would expect. So if you don’t want to pay much to insure your home, the Gem State is your best ticket.

So where do the rest of the states fall? Here’s a handy chart for you:

State Average Home Insurance Cost Per Year
Oklahoma $1,530.00
Florida $1,386.00
Arkansas $998.00
Kansas $970.00
Missouri $942.00
Massachusetts $925.00
Rhode Island $919.00
Texas $915.00
Mississippi $901.00
Minnesota $888.00
Alaska $856.00
Alabama $847.00
Louisiana $840.00
California $826.00
Georgia $823.00
Kentucky $805.00
West Virginia $803.00
Colorado $793.00
Connecticut $789.00
Nebraska $778.00
Hawaii $776.00
Tennessee $773.00
North Dakota $742.00
Indiana $736.00
New Jersey $726.00
Illinois $725.00
Michigan $715.00
South Carolina $648.00
Wyoming $648.00
Delaware $643.00
South Dakota $628.00
Maryland $616.00
North Carolina $603.00
Ohio $600.00
Virginia $583.00
Iowa $582.00
Montana $582.00
Pennsylvania $580.00
Maine $573.00
New York $572.00
Wisconsin $570.00
New Hampshire $555.00
Washington $553.00
Vermont $536.00
Nevada $529.00
Arizona $513.00
New Mexico $499.00
Oregon $483.00
Utah $449.00
Idaho $368.00
National average $732.80

 

Source: NAIC.org

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