Homeowners Insurance Estimate — Free Calculator, No Personal Information
Showing Florida averages. Add a ZIP code or street address to see your county's disaster history and, with a street address, the FEMA flood zone.
Likely range: $8,370 – $14,510 — what most homeowners in this situation would be quoted
The biggest mistake people make with "how much is insurance on a $400,000 house" is typing in the price they paid. Insurers price your dwelling coverage — what it would cost to rebuild the house — and the land under it is never part of that. In many older neighborhoods the rebuild cost is well below the market price; in others, after years of rising labor and material costs, it's higher. Ask your agent or check your current policy's declarations page for the "Coverage A" figure and use that number here.
At $8,471 a year for $300,000 of dwelling coverage, Florida ranks as the most expensive of the 50 states and D.C. — 195% above the national average of $2,872. Nationally, homeowners insurance prices are roughly flat. The government's price index for homeowners insurance stood at 290.9 in September 2026, up 1.0% from a year earlier and up 34% over five years.
Key Answers About Homeowners Insurance Costs
Answers are for Florida and update when you change the location above.
In Florida, the average quoted premium for $400,000 of dwelling coverage is $11,160 a year (about $930 a month). The national average for the same coverage is $3,580 a year (about $298 a month).
For $200,000 of dwelling coverage in Florida, expect about $6,200 a year (about $517 a month); for a $150,000 house, roughly $5,070 a year (about $422 a month). Premiums don't shrink in proportion to the home's price, because every policy carries the same liability coverage and fixed costs.
About $9,820 a year (about $818 a month) for $350,000 of coverage and $13,930 a year (about $1,160 a month) for $500,000 in Florida — compared with $3,230 and $4,270 nationally.
Yes. Type a street address into the calculator. We match it with the U.S. Census Bureau's geocoder, then pull that spot's FEMA flood zone and your county's federal disaster history — two things insurers weigh heavily. Right now: Add an address for the flood zone and 15 major disasters in the past decade. Your address isn't saved.
Yes — this calculator asks for no name, email, phone number or birth date, and works with just a state. A real quote will need your address and details about the house, and in most states the insurer will also check a credit-based insurance score. That check is a "soft" inquiry and doesn't affect your credit score. California, Maryland and Massachusetts don't allow credit to set homeowners rates.
For a home that would cost $1 million to rebuild, the average quote in Florida is $25,700 a year (about $2,141 a month) — $7,025 nationally. Those quotes use a higher deductible, so a $1,000 deductible would cost more. If you mean a $1 million liability umbrella on top of your home and auto policies, that typically runs only about $380 a year.
Start with the average premium in your state for your rebuild cost, then adjust for the home itself: a house built in the last few years can cost about 40% less to insure than one from the 1980s, a 20-year-old roof can add about a fifth, one weather claim adds about 10%, and moving from a $1,000 to a $2,500 deductible saves about 11%. The calculator above does exactly that and shows each step.
The government's price index for homeowners insurance stood at 290.9 in September 2026, up 1.0% from a year earlier and up 34% over five years. Rate requests have cooled: the median requested change in 2026 filings is about +1%, down from +10% in 2024, though Midwest and hail-prone states are still seeing big jumps.
How Much Is Homeowners Insurance on a $150,000 to $1 Million House?
Average annual premiums in Florida by dwelling coverage, with the U.S. average for comparison. Your home value is highlighted when it matches a row.
| Dwelling coverage | Florida per year | Per month | U.S. per year |
|---|---|---|---|
| $150,000 est. | $5,070 | $423 | $1,800 |
| $200,000 | $6,200 | $517 | $2,160 |
| $250,000 est. | $7,340 | $612 | $2,510 |
| $300,000 | $8,470 | $706 | $2,870 |
| $350,000 est. | $9,820 | $818 | $3,230 |
| $400,000 | $11,160 | $930 | $3,580 |
| $500,000 est. | $13,930 | $1,161 | $4,270 |
| $600,000 | $16,690 | $1,391 | $4,960 |
| $750,000 est. | $20,070 | $1,673 | $5,730 |
| $1 million | $25,700 | $2,142 | $7,030 |
- $150,000 est.$423/mo · U.S. $1,800$5,070/yr
- $200,000$517/mo · U.S. $2,160$6,200/yr
- $250,000 est.$612/mo · U.S. $2,510$7,340/yr
- $300,000$706/mo · U.S. $2,870$8,470/yr
- $350,000 est.$818/mo · U.S. $3,230$9,820/yr
- $400,000$930/mo · U.S. $3,580$11,160/yr
- $500,000 est.$1,161/mo · U.S. $4,270$13,930/yr
- $600,000$1,391/mo · U.S. $4,960$16,690/yr
- $750,000 est.$1,673/mo · U.S. $5,730$20,070/yr
- $1 million$2,142/mo · U.S. $7,030$25,700/yr
Rows marked "est." fall between surveyed coverage levels and are interpolated. All figures assume a $1,000 deductible, $300,000 of liability coverage and good credit; the $1 million level was quoted with a higher deductible.
These are averages across insurers for a standard sample house. Your own price depends on the age and condition of the home and roof, your claims history, how far you are from a fire station, your credit-based insurance score in most states, and which company you ask. In hurricane states, a separate percentage deductible for wind can mean paying thousands out of pocket before coverage starts — always check that number on a quote.
Home Insurance Estimate by Address: Your Flood and Disaster Risk
Two public records insurers lean on, looked up live for Florida.
Flood zone
Enter a full street address above and we'll look up the FEMA flood zone for that exact spot. A ZIP code covers too much ground to say.
Disaster history — Florida
Florida has had 15 federal major-disaster declarations in the past 10 years, most often for hurricanes. The most recent was Hurricane Milton in November 2024. Insurers price that history into every policy in the area.
- Nov 2024Hurricane MiltonHurricane
- Oct 2024Hurricane MiltonHurricane
- Sep 2024Hurricane HeleneHurricane
- Aug 2024Hurricane DebbyHurricane
- Jun 2024Severe Storms, Straight-line Winds, and TornadoesSevere storm
- Aug 2023Hurricane IdaliaHurricane
Homeowners Insurance Cost by State
At $8,471 a year for $300,000 of dwelling coverage, Florida ranks as the most expensive of the 50 states and D.C. — 195% above the national average of $2,872.
All 50 states and D.C., most to least expensive
- 1. Florida$8,471
- 2. Nebraska$5,513
- 3. Colorado$5,511
- 4. Oklahoma$5,378
- 5. Kansas$5,289
- 6. Louisiana$5,185
- 7. Texas$4,582
- 8. Kentucky$4,471
- 9. North Carolina$3,799
- 10. Missouri$3,783
- 11. South Dakota$3,740
- 12. Alabama$3,716
- 13. New Mexico$3,497
- 14. Minnesota$3,333
- 15. Montana$3,221
- 16. Tennessee$3,198
- 17. Arkansas$3,195
- 18. Iowa$3,148
- 19. Michigan$3,071
- 20. South Carolina$2,870
- 21. Indiana$2,869
- 22. North Dakota$2,846
- 23. Illinois$2,802
- 24. Mississippi$2,602
- 25. Idaho$2,412
- 26. Arizona$2,397
- 27. Rhode Island$2,379
- 28. Georgia$2,301
- 29. Maryland$2,242
- 30. Connecticut$2,132
- 31. Massachusetts$2,112
- 32. Ohio$2,109
- 33. Wyoming$2,075
- 34. West Virginia$1,961
- 35. Virginia$1,939
- 36. Nevada$1,876
- 37. New York$1,844
- 38. Wisconsin$1,836
- 39. Utah$1,771
- 40. Washington$1,766
- 41. California$1,653
- 42. Oregon$1,647
- 43. Washington, D.C.$1,558
- 44. Alaska$1,492
- 45. Delaware$1,461
- 46. New Jersey$1,449
- 47. Pennsylvania$1,434
- 48. New Hampshire$1,324
- 49. Maine$1,299
- 50. Vermont$1,017
- 51. Hawaii$738
Florida is the most expensive state by far, but Oklahoma, Nebraska, Colorado and Kansas now rank above Louisiana and Texas. Hail and severe convective storms — which hit large swaths of the middle of the country every spring — have become one of the largest sources of insured losses, and insurers there have raised rates and pushed roof-replacement and wind/hail deductibles higher to match.
Are Home Insurance Rates Still Going Up?
The government's price index for homeowners insurance stood at 290.9 in September 2026, up 1.0% from a year earlier and up 34% over five years.
Loading chart…
U.S. Bureau of Labor Statistics producer price index for homeowner's insurance (June 1998 = 100), monthly. It tracks the price insurers charge for the same coverage over time. Hover or drag across the chart to read any month.
NerdWallet's 2026 rate study, built on more than 840 million quotes, found the typical premium rose 4.6% between early 2025 and early 2026 — after a 10.8% jump the year before — and fell in 18 states plus D.C. Reinsurance, the insurance that insurers buy, got 15% to 25% cheaper at the January and July 2026 renewals, which takes pressure off next year's prices. The exceptions are states battered by hail and wildfire, where increases are still running well into double digits.
How Home Insurance Premiums Are Calculated
Your premium starts with what it costs to insure an average home with your rebuild cost in your state, then moves up or down with the features of your home and history. These are the adjustments the calculator uses.
| Factor | Effect on premium | Source |
|---|---|---|
| New home vs. 1980s home | About 40% less for new construction | NerdWallet 2026 rate report |
| Roof 20+ years old | About 20% more | Quadrant insurer samples (Policygenius) |
| One weather claim | About 10% more | NerdWallet 2026 rate report |
| Three or more claims | About 40%–70% more | Quadrant insurer samples (Policygenius) |
| $2,500 deductible instead of $1,000 | About 11% less | NerdWallet 2026 rate report |
| $500 deductible instead of $1,000 | About 10% more | Quadrant insurer samples (Policygenius) |
| Poor credit (where allowed) | Often 35%–100% more | Quadrant insurer samples (Policygenius) |
- New vs. 1980s homeNerdWallet 2026≈40% less
- Roof 20+ yearsQuadrant samples≈20% more
- One weather claimNerdWallet 2026≈10% more
- 3+ claimsQuadrant samples40–70% more
- $2,500 deductibleNerdWallet 2026≈11% less
- $500 deductibleQuadrant samples≈10% more
- Poor creditwhere allowed35–100% more
The calculator leaves credit out on purpose, so it can work without personal information. If you know your credit is weak, expect quotes toward the top of the range — unless you live in California, Maryland or Massachusetts.
How to Lower Your Homeowners Insurance Premium
Prices for the same house vary widely from one insurer to the next, and loyalty is rarely rewarded. Ask an independent agent, who can quote several companies at once, and check one or two direct writers yourself. Make sure every quote uses the same dwelling amount, liability limit and deductible.
Going from a $1,000 to a $2,500 deductible cuts the typical premium by about 11%. That only makes sense if you could comfortably pay the higher amount after a storm — and most people should avoid small claims anyway, since one claim can raise the price for years.
Roof age is now one of the first questions insurers ask. A new roof — especially an impact-resistant or FORTIFIED roof in hail and hurricane states — can earn a discount, and in some states it's required for a mitigation credit. Keep the invoice and permit.
Common ones include bundling home and auto, monitored smoke and burglar alarms, water-leak sensors, a newer roof, paying in full, going claims-free and, with some companies, being retired or 55-plus. Insurers won't always apply them unless you ask.
What to Do in Your Situation
Don't just pay it or let the policy lapse. Shop it, raise the deductible if your savings allow, and ask the current insurer to re-check your home's details — a recent roof, new wiring or a monitored alarm may never have been recorded. If an increase seems out of line, your state insurance department can tell you whether the rate was approved and take a complaint.
Most states require insurers to give written notice — often 30 to 120 days — before they drop you, so start shopping right away. If no regular company will cover you, most coastal and wildfire-prone states have a state-backed insurer of last resort, such as a FAIR plan or Florida's Citizens Property Insurance. It costs more and covers less, so keep shopping each year to get back into the regular market.
Without a lender, no one can force you to carry homeowners insurance — but your home is probably your largest asset, and the policy also covers you if someone is hurt on your property. If cost is the problem, a higher deductible or a policy with lower contents coverage is a far safer cut than going without.
"Storm chasers" pressure homeowners to sign contracts or hand over their insurance claim before an adjuster visits. Don't sign anything that assigns your insurance benefits to a contractor, get local written estimates, and call your insurer first. Report suspected fraud.
Area Agencies on Aging can connect older homeowners with home-repair grants, weatherization and safety-modification programs, which can also fix the roof, wiring or plumbing problems that make a home hard to insure.
Estimates are averages for planning only — not quotes or offers of insurance. State and national premiums are Insurance.com's 2026 averages, fielded by Quadrant Information Services (updated September 2026) for a $1,000 deductible, $300,000 liability and good credit, with a 2% hurricane deductible where applicable. Factor adjustments come from NerdWallet's October 2026 Home Insurance Rates Report and Quadrant insurer samples published by Policygenius. The price index is the U.S. Bureau of Labor Statistics' producer price index for homeowner's insurance (series PCU5241265241262). Disaster history comes from FEMA's OpenFEMA declarations data, flood zones from FEMA's National Flood Hazard Layer, and address matching from the U.S. Census Bureau geocoder. Addresses are looked up on our server and never stored. Independent and not affiliated with any insurer or government agency.
Key sources: Insurance.com / Quadrant Information Services · NerdWallet · U.S. Bureau of Labor Statistics · FEMA · U.S. Census Bureau · NAIC