America Counts: Stories Behind the Numbers

Property Insurance Costs Can be High in Every U.S. Region

You don’t have to live on the hurricane-prone Gulf Coast or in “Tornado Alley” to face high property insurance costs.

At least one state in each of the nation’s four census regions (the Northeast, South, Midwest and West) made the list of the most expensive in which to insure a mortgaged home.

Over 5.3 million households paid more than $4,000 a year for their property insurance in 2023 but costs varied across the country, according to the U.S. Census Bureau’s American Community Survey.

Information on property insurance cost is collected from all homeowners, regardless of whether their home has a mortgage, and is counted as part of their monthly housing costs.

Continue reading to learn more about:

• Property insurance costs for mortgaged homes
• Property insurance costs without a mortgage
• States with low-cost property insurance
• Selected monthly owner costs

Stay Connected with the Census Bureau

Follow us on our social media channels, Facebook, Instagram, LinkedIn, Twitter/X, and YouTube, so you never miss an update.

You May Be Interested In

Where You Can Get More House for the Money

Census Bureau construction data show the cost and characteristics of the nation’s new homes by region.

About America Counts

America Counts features stories on various topics including: 

• Families, Housing, Employment, Business and Economy
• Education, Health, Population, Income and Poverty

For the Media: Contact our Public Information Office for inquiries or interviews. 

Don't miss an America Counts story! Use the button below to sign up and update your preferences.

Subscribe | Manage Subscriptions | Unsubscribe | Help