What should home insurance cost for your house?
Compare your home with a transparent benchmark built from public insurance, housing and severe-weather data.
Home insurance cost, organized like a database
Start nationally, then drill into state, county, city and ZIP-level property context. Observed public averages and modeled locality benchmarks are labeled separately.
Cost by state
Compare all 50 states and D.C. using a consistent benchmark.
02Cost by ZIP
Local housing characteristics and county weather context.
03THICI Cost Index
A reproducible index with 100 as the national modeled baseline.
04Storm database
Recent severe-weather frequency and damage from NOAA records.
Typical Home Insurance Cost Index™
The THICI normalizes the modeled benchmark so a score of 100 equals the current national model. Every ranking links to methodology and downloadable data.
Explore the full index →| State | Modeled benchmark | THICI | Median home value |
|---|---|---|---|
| Texas | $3,506 | 217 | — |
| Alabama | $1,818 | 112 | — |
| Arkansas | $1,818 | 112 | — |
| Florida | $1,818 | 112 | — |
| Georgia | $1,818 | 112 | — |
| Kentucky | $1,818 | 112 | — |
| Louisiana | $1,818 | 112 | — |
| Mississippi | $1,818 | 112 | — |
| North Carolina | $1,818 | 112 | — |
| Oklahoma | $1,818 | 112 | — |
Research insurance cost from several angles
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Premium submissions can feed the site's first-party benchmarks once a storage feed is connected. Personal contact information is never required to submit a premium datapoint.
Paying more than the benchmark for your home?
Send your current premium and renewal month to request an insurance comparison. The benchmark itself stays free.