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Compare the published records.
Published averages describe a portfolio of insured properties. They are not property quotes.
| State or territory | Average premium + fee / unit | Recorded losses | Net dollars paid |
|---|---|---|---|
| Guam | $2,000 | 193 | $2,590,974 |
| West Virginia | $1,909 | 27,998 | $385,985,780 |
| Vermont | $1,730 | 3,725 | $117,971,841 |
| Pennsylvania | $1,551 | 77,011 | $1,440,590,279 |
| Connecticut | $1,537 | 29,492 | $553,683,465 |
| Kentucky | $1,514 | 27,947 | $527,379,041 |
| Missouri | $1,476 | 51,304 | $982,812,861 |
| Maine | $1,398 | 5,672 | $86,975,411 |
| Iowa | $1,365 | 14,788 | $357,594,327 |
| N. Mariana Island | $1,355 | 5 | $50,577 |
| Tennessee | $1,260 | 17,706 | $479,704,696 |
| Massachusetts | $1,245 | 35,375 | $441,169,254 |
| New Hampshire | $1,243 | 4,423 | $67,135,509 |
| New York | $1,239 | 175,424 | $5,737,351,444 |
| South Dakota | $1,238 | 4,016 | $62,414,850 |
| Mississippi | $1,223 | 64,587 | $3,136,332,061 |
| New Mexico | $1,193 | 1,938 | $41,840,364 |
| Minnesota | $1,161 | 12,474 | $157,075,113 |
| Rhode Island | $1,127 | 7,026 | $139,107,921 |
| New Jersey | $1,126 | 202,337 | $6,501,065,714 |
| Ohio | $1,117 | 28,412 | $371,706,401 |
| Oklahoma | $1,112 | 12,998 | $260,256,076 |
| Arkansas | $1,083 | 10,260 | $220,323,277 |
| Kansas | $1,081 | 7,901 | $116,705,998 |
| Illinois | $1,072 | 52,886 | $594,770,971 |
| Washington | $1,060 | 16,072 | $367,847,627 |
| Louisiana | $1,052 | 485,740 | $20,959,854,248 |
| Indiana | $1,038 | 19,777 | $307,714,034 |
| California | $1,033 | 53,562 | $760,100,909 |
| Idaho | $1,031 | 1,116 | $10,404,009 |
| Texas | $1,007 | 394,190 | $17,401,179,897 |
| Nebraska | $1,001 | 6,069 | $98,215,401 |
| Colorado | $1,001 | 5,802 | $91,588,899 |
| Wisconsin | $999 | 9,522 | $143,087,301 |
| Wyoming | $998 | 562 | $3,763,302 |
| Oregon | $991 | 6,095 | $109,966,107 |
| Montana | $965 | 2,220 | $19,044,099 |
| Florida | $964 | 448,607 | $19,352,119,453 |
| Alabama | $956 | 44,896 | $1,195,270,580 |
| Nevada | $946 | 1,964 | $47,386,497 |
| North Carolina | $928 | 109,593 | $2,305,523,243 |
| Georgia | $915 | 24,475 | $517,868,185 |
| Arizona | $885 | 5,335 | $62,796,145 |
| North Dakota | $883 | 13,307 | $259,315,285 |
| Michigan | $868 | 14,953 | $150,097,746 |
| Delaware | $849 | 6,339 | $91,573,733 |
| Hawaii | $828 | 6,285 | $167,843,946 |
| South Carolina | $786 | 49,622 | $1,037,240,226 |
| Virginia | $785 | 50,609 | $771,071,678 |
| Utah | $695 | 1,215 | $8,087,760 |
| Maryland | $511 | 25,375 | $340,899,094 |
| District Of Columbia | $474 | 496 | $5,445,365 |
| Alaska | $435 | 808 | $16,458,715 |
| Puerto Rico | $348 | 25,387 | $161,037,870 |
| Virgin Islands | $310 | 3,504 | $78,492,574 |
| American Samoa | Not available | 29 | $67,564 |
Policy units include condominium units under master policies. Losses are cumulative reported records and include claims closed without payment. Pricing depends on the mix of insured buildings; these rankings do not rank geographic flood risk. Counties with no in-force policy units have no premium average and sort after those with an average.