Top 10 U.S. Zip Codes with the Highest Homeowner Insurance Premiums

Certain U.S. zip codes are facing exceptionally high homeowner insurance costs, far above the national average. This table lists the 10 zip code areas with the steepest premiums, showing how location-specific risks, from hurricanes to coastal exposure, impact policy costs.

Wrightsville Beach, NC tops the list with an average annual premium of $29,684, followed by Islamorada, FL at $26,086. These premiums highlight the extreme financial burden in areas prone to natural disasters and high-risk conditions.
Chart: Storm Law Partners Source: InsureCreated with Datawrapper