Which US state has the highest homeowners insurance rates?

Which US state has highest homeowners insurance rates in 2024-2025 is Florida, followed by Louisiana and Oklahoma, due to hurricanes, floods and tornadoes, according to Insurance Information Institute and Bankrate data. Florida average homeowners insurance for $300K dwelling costs $4,000 to $6,000 per year, double national average $2,000 to $2,500, due to hurricane risk, with some coastal areas $8,000 to $10,000, and many insurers leaving Florida, increasing costs. Louisiana second with average $3,500 to $5,000 per year for $300K due to hurricanes and flooding, with New Orleans higher $5,000 to $7,000. Oklahoma third $3,000 to $4,500 due to tornadoes and hail. Texas $2,500 to $3,500 due to hurricanes and hail. California $1,500 to $3,000 but increasing due to wildfires, with some areas $5,000. Cheapest states are Vermont, Delaware and New Hampshire $800 to $1,200 for $300K due to low disaster risk. So highest homeowners insurance rates is Florida with $4,000 to $6,000 average for $300K, followed by Louisiana and Oklahoma, due to hurricane, flood and tornado risk, with premiums rising 30% in last 3 years due to climate change and reinsurance costs.