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◆ 50-STATE COMPOSITE BENCHMARK • PROPERTY TAX, HO-3 INSURANCE & SHELTER

State-by-State Housing & Home Insurance Cost Stress Map

Select any state on the keyboard-accessible U.S. map or sort the 50-state benchmark table below to inspect multi-year homeowners insurance, property tax escrow, and shelter cost pressure.

US State Benchmarks — USD Anchored to 50-State U.S. Census ACS & NAIC HO-3 filing benchmarks
FRED · BLS · US-STATUTORY-2026.11 Plain-English A–Z Glossary →
Interactive 50-State Map & Selector RUNS PRIVATELY IN YOUR BROWSER
$2,800/yr
Click or press Enter/Space on any state on the map or table row below to inspect local benchmarks Lower (4.0) Severe (9.0)
All 50 U.S. States — Composite Housing, Tax & Insurance Benchmarks (2025–2026 Vintage) Click or press Enter on any column header to sort
Rank State Stress (/10) 3Y Tax/Escrow 3Y Home Ins. Rent / Income
Column Sources & Composite Formula (Vintage 2025–2026): 3Y Home Insurance trend combines NAIC Homeowners Insurance Reports & U.S. Treasury Federal Insurance Office (FIO) state HO-3 benchmarks; 3Y Tax/Escrow & Rent/Income draw from U.S. Census Bureau ACS 5-Year housing cost tables; Regional CPI reflects Bureau of Labor Statistics (BLS) regional urban series. Stress Score (/10) weights 3-year insurance surge (40%), 3-year tax/escrow growth (30%), and median gross rent-to-income burden (30%), normalized on a 1.0–10.0 scale. Historical 3-year rates do not guarantee future carrier renewal changes.
Selected State Cost Impact 2026 U.S. FORMULA
Florida Housing Stress Score
8.9 / 10
Ranked #1 highest cost pressure in U.S.
3-Year Home Insurance Jump
+46.2%
Added ~$885/yr to a $2,800 policy
3-Year Tax & Escrow Surge
+34.8%
U.S. median: +22.6%
Illustrative 1-Yr Pace
$3,231/yr
Historical 3Y avg pace — not a carrier quote
Ready: Type exact dollar or percentage figures or drag any slider to update your tax, interest, and cash-flow breakdown immediately.

Privacy Note: All math runs locally in your browser. If you click Copy My Scenario Link, your entered numbers are encoded in that link so you can revisit or share the scenario.

◆ METHODOLOGY & PLAIN-ENGLISH GUIDE (CLICK DOTTED TERMS FOR DEFINITIONS)

Why Coastal and Severe-Convective-Storm States Lead Escrow Growth

Global property-catastrophe reinsurance pricing and higher residential rebuild costs (lumber, roofing, copper, and skilled labor) pushed HO-3 dwelling premiums sharply higher across wind- and hail-exposed states including Florida, Louisiana, Texas, Oklahoma, Colorado, and Nebraska.