MonitorBankRates
☰

MBR Home Insurance Burden Index: State Rankings - August 2026

The MBR Home Insurance Burden Index (MBR-HIBI) measures how heavily homeowners insurance actually weighs on each state’s households. Raw premium rankings mislead: a $2,000 policy is a rounding error for some budgets and a hardship for others. The index normalizes insurance costs against each state’s median income and home values, with the national baseline set at 100; higher scores mean a heavier burden.

Highest Score
Louisiana
Score 202.2 · $1,893/yr · 3.12% of income
Lowest Score
Utah
Score 57.8 · $1,080/yr · 1.13% of income
National Baseline
100
U.S. median cost $1,348/yr
High or Severe Band
12
of the 50 states and D.C. score 120 or higher

Louisiana currently carries the nation’s heaviest burden at 202.2, while Utah is lightest at 57.8. 12 states score in the high or severe bands. Computed by MonitorBankRates from U.S. Census Bureau data (2024 ACS 1-Year Estimates).

Updated with each annual Census data release. Rankings as of August 29, 2026.

Free Data Tools
Download the full index as CSV, grab a ready-to-paste stat, or cite it in your story. Free for journalists, researchers, agents, and brokers — citation required, attribution link optional.

State-Level Burden Heatmap

Every state coloured by its home insurance burden band. Hover for the score and cost; click through to that state’s homeowners insurance page.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
Severe High Moderate Low

National baseline = 100. Hover any state for its score; click to open that state's page.

All 50 States and the District of Columbia Ranked by Home Insurance Burden

Each state links to its full homeowners insurance guide with average costs, FAIR plan options, and ways to lower your premium. Bands: under 80 low, 80 to 120 moderate, 120 to 160 high, 160 and up severe.

Rank State MBR-HIBI Band Median Cost
$/yr		 % of Income Per $1,000
of home value		 Paying $4,000+
1 Louisiana 202.2 Severe $1,893 3.12% $8.74 20.7%
2 Oklahoma 187.8 Severe $1,984 3.05% $9.93 12.2%
3 Florida 183.7 Severe $2,147 2.88% $5.98 23.7%
4 Nebraska 168.8 Severe $2,052 2.68% $8.60 12.6%
5 Texas 164.0 Severe $2,005 2.55% $7.06 16.5%
6 Kansas 156.8 High $1,875 2.52% $8.63 9.5%
7 Mississippi 152.5 High $1,454 2.58% $8.56 7.3%
8 Colorado 137.0 High $2,178 2.28% $4.04 17.2%
9 Arkansas 128.3 High $1,384 2.28% $7.36 4.3%
10 Missouri 124.5 High $1,549 2.19% $6.73 5.6%
11 Alabama 123.5 High $1,412 2.21% $6.73 5%
12 South Dakota 120.2 High $1,556 2.07% $6.05 7.2%
13 Minnesota 116.4 Moderate $1,745 1.96% $5.30 9.1%
14 Kentucky 112.3 Moderate $1,283 2.01% $6.24 4.1%
15 Wyoming 111.7 Moderate $1,517 1.99% $4.90 7.9%
16 Iowa 110.5 Moderate $1,371 1.83% $6.59 4.7%
17 Rhode Island 110.4 Moderate $1,718 1.96% $4.25 9.6%
18 Montana 105.7 Moderate $1,467 2.02% $3.90 7.8%
19 North Dakota 105.1 Moderate $1,411 1.84% $5.65 4.9%
20 Connecticut 104.7 Moderate $1,588 1.66% $4.33 10.7%
21 Georgia 104.0 Moderate $1,472 1.9% $4.85 5.9%
22 South Carolina 102.7 Moderate $1,278 1.84% $4.93 5.9%
23 Tennessee 98.0 Moderate $1,305 1.88% $4.55 4.6%
24 Indiana 97.6 Moderate $1,246 1.73% $5.71 3%
25 Illinois 93.1 Moderate $1,328 1.59% $5.04 4.7%
26 North Carolina 91.7 Moderate $1,256 1.74% $4.35 4.3%
27 New Mexico 89.2 Moderate $1,072 1.67% $4.32 4.1%
28 Ohio 88.6 Moderate $1,122 1.57% $5.22 2.6%
29 Massachusetts 86.6 Moderate $1,609 1.55% $2.86 8.7%
30 New York 81.2 Moderate $1,234 1.44% $2.91 7.7%
31 California 80.3 Moderate $1,413 1.43% $1.92 10.2%
32 Michigan 80.3 Moderate $1,058 1.45% $4.57 2.5%
33 West Virginia 79.2 Low $821 1.38% $5.05 1.6%
34 Hawaii 75.0 Low $1,364 1.36% $1.63 9.7%
35 Maryland 74.3 Low $1,336 1.29% $3.18 5.9%
36 Wisconsin 74.2 Low $1,065 1.37% $4.00 2.5%
37 Pennsylvania 73.9 Low $1,031 1.32% $4.05 2.9%
38 Virginia 72.4 Low $1,219 1.31% $3.18 4.9%
39 New Jersey 72.0 Low $1,321 1.28% $2.91 5.9%
40 Alaska 71.5 Low $1,156 1.25% $3.28 5%
41 Idaho 67.4 Low $1,088 1.4% $2.60 3.3%
42 Maine 67.4 Low $980 1.31% $3.30 2.4%
43 Arizona 66.6 Low $1,071 1.34% $2.71 3.4%
44 Vermont 66.3 Low $1,036 1.28% $3.27 2.5%
45 Washington 65.0 Low $1,247 1.27% $2.21 5%
46 Oregon 64.0 Low $1,093 1.32% $2.29 3.8%
47 New Hampshire 62.0 Low $1,135 1.15% $2.82 3.6%
48 Delaware 59.5 Low $991 1.17% $2.82 2.3%
49 District of Columbia 59.5 Low $1,143 1.04% $1.55 7.4%
50 Nevada 58.8 Low $959 1.23% $2.20 3%
51 Utah 57.8 Low $1,080 1.13% $2.21 3.7%
Source: MonitorBankRates analysis of U.S. Census Bureau 2024 ACS 1-Year Estimates insurance cost, household income, and home value data.
Free Data Tools

Use This Data on Your Website, Article, or Social

Free for anyone to use — journalists, bloggers, real estate agents, insurance brokers, academic researchers, and universities. The index covers 51 states and the District of Columbia, computed from U.S. Census Bureau 2024 ACS 1-Year Estimates insurance cost, household income, and home value data. Citation required, attribution link optional.

Required Citation
Source: MonitorBankRates.com

Put a live score on your site

A self-updating card that always shows the current index. Choose the national top-five view or a single state, paste one line of HTML, done.

Live preview

Methodology

What the index measures: The MBR-HIBI answers a simple question: relative to what people earn and what their homes are worth, where does homeowners insurance strain budgets the most? A score of 100 represents the national baseline. A state scoring 150 carries a burden roughly 50% heavier than the typical U.S. homeowner; a state at 70 carries one roughly 30% lighter.

The three components: Each state’s score combines its ratio to the national figure on three measures: median annual homeowners insurance cost as a share of median household income (50% weight), insurance cost per $1,000 of median home value (30% weight), and the share of insured owners paying $4,000 or more per year (20% weight), which captures how fat the expensive tail of the market is, not just its middle.

Data sources: All inputs come from the U.S. Census Bureau American Community Survey (2024 ACS 1-Year Estimates): homeowners insurance costs reported by owner-occupied households (table B25141, medians interpolated from grouped data), median household income (B19013), and median owner-occupied home values (B25077). No advertiser or carrier data is used.

Update cadence: Scores recompute with each annual ACS release. Because the index is a ratio against the national baseline, it is comparable across releases even as dollar costs rise.

How to use it: Each state’s homeowners insurance guide shows its score in context, alongside average premiums, FAIR plan options, and what drives local pricing. Start from the table above, or from the homeowners insurance marketplace.

Frequently Asked Questions

What is the MBR Home Insurance Burden Index?

The MBR Home Insurance Burden Index (MBR-HIBI) is a composite score, published by MonitorBankRates, measuring how heavily homeowners insurance weighs on a state's households. A score of 100 equals the national baseline; higher scores mean a heavier burden. It combines insurance cost as a share of median household income (50% weight), cost per $1,000 of home value (30%), and the share of owners paying $4,000 or more per year (20%), all from U.S. Census Bureau data.

Which state has the heaviest home insurance burden?

Louisiana currently carries the heaviest burden, scoring 202.2 against the national baseline of 100. Its typical homeowner pays $1,893 per year, about 3.12% of the state's median household income. Source: MonitorBankRates analysis of U.S. Census Bureau data.

Which state has the lightest home insurance burden?

Utah currently carries the lightest burden, scoring 57.8, with a typical annual cost of $1,080 (1.13% of median household income). Source: MonitorBankRates analysis of U.S. Census Bureau data.

Why measure burden instead of just average premiums?

A $2,000 premium means something very different in a state with $60,000 median incomes and $200,000 homes than in one with $100,000 incomes and $700,000 homes. By normalizing costs against local incomes and home values, the index shows where insurance actually strains household budgets, which raw premium rankings hide.

How often is the index updated?

The index recomputes whenever its underlying inputs update: annually with each new Census American Community Survey release, currently the 2024 ACS 1-Year Estimates. Scores and rankings on this page reflect the most recent data available as of August 29, 2026.

Where can I see the index for my state?

Every state row in the table links to that state's homeowners insurance guide, which shows its MBR-HIBI score alongside average costs, FAIR plan options, and ways to lower your premium.