Tracking 25,593+ ZIP codes
America's Home Insurance Crisis Monitor
Insurance Stress Scores, premium trends, and nonrenewal rates for every ZIP code. Powered by Treasury FIO, NOAA, and Census data.
National Overview
Avg. Premium (2025 Est.)
$2,026
+3.4% from 2018
2018–2025
Nonrenewal Rate (2022)
1.23%
+16.4%
2018–2022
Storm Damage (2022)
$3.8B
2018–2022
Uninsured Rate (2022)
7.4%
7.4% of homeowners
2018–2022
States at a Glance
View all →| State | Avg Premium | Stress Score | Risk |
|---|---|---|---|
| Nebraska | $2,870 | 72 | High |
| Louisiana | $2,875 | 66 | High |
| Colorado | $3,113 | 64 | High |
| Oklahoma | $2,936 | 63 | High |
| Missouri | $2,364 | 63 | High |
| Mississippi | $2,210 | 62 | High |
| Texas | $2,656 | 62 | High |
| South Dakota | $2,213 | 61 | High |
| Kansas | $2,645 | 61 | High |
| Florida | $5,527 | 58 | Elevated |