Live snapshot · FIO 2018-2022
Home Insurance Costs and Nonrenewal by ZIP
Public ZIP-level homeowners insurance market metrics from the Treasury Federal Insurance Office release. This page shows derived summaries from all 25,593 public ZIP rows in the 2022 snapshot, not a quote, filing, or underwriting view.
This is not a quote, not underwriting guidance, and not a replacement for a licensed agent or state insurance department filing.
Headline figures
- Public ZIP rows
- 25,593
- Avg premium per ZIP
- $1,776
- Median premium
- $1,551
- Avg 2018-2022 change
- +6.9%
25,593 geography-matched · 0 excluded
unweighted average across all mapped public ZIP rows
public ZIP row median, latest year
among ZIP rows with a public baseline
Official national context
What Treasury reported about cost and availability
In its January 2025 analysis, the U.S. Department of the Treasury reported that average homeowners premiums per policy increased 8.7% faster than inflation from 2018 through 2022. Treasury also found average nonrenewal rates were about 80% higher in the highest-risk ZIP Codes than in the lowest-risk ZIP Codes. Those are Treasury’s national findings; the state figures below are our unweighted summaries of public ZIP rows and should not be substituted for Treasury’s analysis.
State nonrenewal signals in the public ZIP snapshot
The table ranks unweighted state averages across publicly released ZIP rows. It is a screening signal, not an official statewide rate. ZIP rows can be suppressed when disclosure thresholds are not met. The largest average 2018–2022 premium change in this derived state view is California at +25.1%.
| Rank | State | Public ZIP rows | Avg nonrenewal | Avg premium | 2018–2022 change |
|---|---|---|---|---|---|
| 1 | South Carolina | 367 | 3.9% | $1,765 | +0.1% |
| 2 | Nebraska | 288 | 2.5% | $2,473 | +11.9% |
| 3 | North Carolina | 725 | 2.4% | $1,379 | +7.8% |
| 4 | Arizona | 329 | 2.0% | $1,224 | +10.8% |
| 5 | Louisiana | 337 | 1.9% | $2,539 | +7.1% |
| 6 | California | 1,552 | 1.8% | $1,864 | +25.1% |
| 7 | Virginia | 703 | 1.6% | $1,340 | +8.4% |
| 8 | Kansas | 414 | 1.5% | $2,350 | +4.3% |
| 9 | Missouri | 701 | 1.5% | $2,055 | +10.0% |
| 10 | Mississippi | 333 | 1.4% | $1,976 | +3.2% |
State summaries from public ZIP rows
These are derived ZIP-row summaries, not official policy-weighted statewide averages. ZIP rows can be missing when FIO disclosure thresholds are not met. Every public 2022 ZIP row in this snapshot passed the geography-coverage check.
| State | Public ZIP rows | Avg premium | 2018-2022 change | Loss ratio | Nonrenewal | |
|---|---|---|---|---|---|---|
| Florida | 560 | $4,864 | -9.7% | 76.7% | 0.5% | |
| Oklahoma | 423 | $2,622 | +3.6% | 46.1% | 0.7% | |
| Colorado | 419 | $2,592 | +20.8% | 50.3% | 1.2% | |
| Louisiana | 337 | $2,539 | +7.1% | 104.0% | 1.9% | |
| Nebraska | 288 | $2,473 | +11.9% | 105.5% | 2.5% | |
| Texas | 1,510 | $2,351 | +3.9% | 50.2% | 0.0% | |
| Kansas | 414 | $2,350 | +4.3% | 57.8% | 1.5% | |
| Connecticut | 264 | $2,317 | -0.0% | 37.2% | 0.9% | |
| Massachusetts | 500 | $2,294 | +3.7% | 28.8% | 1.0% | |
| Rhode Island | 74 | $2,284 | +5.6% | 33.5% | 1.2% | |
| Hawaii | 25 | $2,130 | +11.4% | 20.0% | 0.3% | |
| Missouri | 701 | $2,055 | +10.0% | 40.7% | 1.5% | |
| Mississippi | 333 | $1,976 | +3.2% | 50.1% | 1.4% | |
| North Dakota | 87 | $1,954 | +8.3% | 47.9% | 1.0% | |
| Montana | 167 | $1,945 | +10.3% | 53.4% | 1.1% | |
| Alabama | 544 | $1,931 | +2.1% | 44.1% | 0.8% | |
| Minnesota | 689 | $1,928 | +12.9% | 116.9% | 0.5% | |
| New York | 1,535 | $1,888 | +4.8% | 41.7% | 0.5% | |
| Wyoming | 84 | $1,887 | +9.0% | 39.1% | 0.7% | |
| District of Columbia | 65 | $1,872 | +6.1% | 62.0% | 1.0% | |
| California | 1,552 | $1,864 | +25.1% | 80.5% | 1.8% | |
| New Jersey | 563 | $1,858 | +2.2% | 41.3% | 0.8% | |
| South Dakota | 180 | $1,854 | +19.9% | 128.0% | 1.2% | |
| Georgia | 630 | $1,769 | +4.9% | 43.3% | 1.4% | |
| South Carolina | 367 | $1,765 | +0.1% | 37.1% | 3.9% | |
| Arkansas | 374 | $1,737 | +3.7% | 96.6% | 0.8% | |
| Tennessee | 552 | $1,728 | +1.8% | 48.1% | 1.2% | |
| Illinois | 1,193 | $1,631 | +14.5% | 49.8% | 0.9% | |
| Iowa | 580 | $1,629 | +12.3% | 86.4% | 1.0% | |
| Maryland | 423 | $1,627 | +9.6% | 61.2% | 0.7% | |
| New Mexico | 200 | $1,577 | +3.1% | 114.4% | 1.1% | |
| Kentucky | 466 | $1,557 | -1.1% | 69.0% | 0.6% | |
| Indiana | 672 | $1,481 | +3.4% | 48.1% | 1.2% | |
| New Hampshire | 239 | $1,428 | +2.6% | 29.6% | 0.8% | |
| Washington | 511 | $1,384 | +7.9% | 63.4% | 0.9% | |
| North Carolina | 725 | $1,379 | +7.8% | 47.6% | 2.4% | |
| Virginia | 703 | $1,340 | +8.4% | 41.2% | 1.6% | |
| Idaho | 211 | $1,330 | +15.9% | 57.2% | 1.4% | |
| Vermont | 247 | $1,308 | -1.6% | 31.1% | 0.8% | |
| Maine | 395 | $1,294 | +5.1% | 28.5% | 0.6% | |
| Alaska | 31 | $1,289 | -3.7% | 47.9% | 0.4% | |
| Ohio | 1,032 | $1,262 | +4.4% | 53.4% | 1.1% | |
| Delaware | 57 | $1,252 | +7.5% | 46.7% | 0.9% | |
| Nevada | 138 | $1,249 | +7.4% | 54.0% | 0.8% | |
| Michigan | 913 | $1,233 | -0.2% | 56.6% | 1.1% | |
| Arizona | 329 | $1,224 | +10.8% | 66.0% | 2.0% | |
| Wisconsin | 722 | $1,224 | +8.1% | 71.2% | 0.7% | |
| Oregon | 342 | $1,198 | +14.2% | 86.2% | 0.8% | |
| West Virginia | 456 | $1,167 | -4.3% | 44.5% | 0.6% | |
| Pennsylvania | 1,524 | $1,134 | +2.7% | 46.8% | 0.5% | |
| Utah | 247 | $1,130 | +17.9% | 52.2% | 1.0% |
Sample ZIP rows
These rows demonstrate what the public FIO snapshot can support. Use the planner for ZIP lookup with flood context.
ZIP lookup
Add flood and hazard context
The index shows homeowners rows. The pressure planner combines the same FIO ZIP data with FEMA flood premium and county hazard context.
Source and caveats
Source: Treasury FIO Homeowners Insurance ZIP Metrics Snapshot. Raw CSV redistribution is still held; this page publishes derived summaries and citations while suppression and reuse boundaries are kept visible.
- ZIP rows are present only where the public FIO release met disclosure thresholds.
- The FIO public metrics exclude flood insurance, residual market plans, excess and surplus lines, and reinsurance.
- The release covers 2018-2022 and does not include 2023 or 2024 market changes.
Public downloads are held while Treasury suppression handling and redistribution terms are kept conservative. Derived summaries are visible here so the page is no longer just a source plan.
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