15. Washington | Predicted number of complaints in 2018: 9,011 | Average yearly growth in number of reported cybercrimes: +351 | Estimated average number of dollars lost per reported cybercrime in 2018: $3,572. [An AmazonFresh Pickup location stands in Seattle, Washington. Amazon.com Inc. opened two grocery pickup kiosks in Seattle, part of its latest effort to enter the $800 billion grocery market and compete with “click and collect” shopping options from big box competitors like Wal-Mart Stores Inc. (Photor: David Ryder/Bloomberg)].
14. Maryland | Predicted number of complaints in 2018: 9,062 | Average yearly growth in number of reported cybercrimes: +406 | Estimated average number of dollars lost per reported cybercrime in 2018: $3,220. [Oriole Park at Camden Yards, home of the Baltimore Orioles. (Photo: Soshanah/Wikimedia)].
13. Missouri | Predicted number of complaints in 2018: 9,395 | Average yearly growth in number of reported cybercrimes: +551 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,174. [MasterCard Inc.’s operation center building in O’Fallon, Missouri. (Photo: Whitney Curtis/Bloomberg)].
12. Virginia | Predicted number of complaints in 2018: 9,464 | Average yearly growth in number of reported cybercrimes: +346 | Estimated average number of dollars lost per reported cybercrime in 2018: $6,795. [The USS Truxtun (DDG-103) destroyer sits in dry dock at the General Dynamics Corp. NASSCO shipyard facility on the Elizabeth River in Norfolk, Virginia, U.S., on Tuesday, Jan. 9, 2018. (Photo: Luke Sharrett/Bloomberg)].
11. North Carolina | Predicted number of complaints in 2018: 10,357 | Average yearly growth in number of reported cybercrimes: +305 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,921. [[Workers assemble Black & Decker Inc. DeWalt brand power tools at the company’s production plant in Charlotte, North Carolina on Wednesday, Aug. 9, 2017. (Photo: Luke Sharrett/Bloomberg)].

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10. New Jersey | Predicted number of complaints in 2018: 10,490 | Average yearly growth in number of reported cybercrimes: +257 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,891. [Employees pull pallet trucks at the Amazon.com Inc. fulfillment center in Robbinsville, New Jersey, on Monday, Nov. 27, 2017. (Photo: Victor J. Blue/Bloomberg)].
9. Ohio | Predicted number of complaints in 2018: 11,801 | Average yearly growth in number of reported cybercrimes: +396 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,061. [Machinery is seen on a highway under construction U.S. Route 23 and U.S. Route 52 near Portsmouth, Ohio, on July 26, 2017. (Photo: Ty Wright/Bloomberg)].
8. Georgia | Predicted number of complaints in 2018: 13,370 | Average yearly growth in number of reported cybercrimes: +291 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,426. [Shoppers chat while standing on the checkout line at a Costco warehouse store in Atlanta, Georgia. (Photo: Thomas England/Bloomberg News)].
7. Pennsylvania | Predicted number of complaints in 2018: 14,975 | Average yearly growth in number of reported cybercrimes: +472 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,232. [The FirstEnergy Corp. Bruce Mansfield coal-fired power plant stands past headstones at the Bethlehem Presbyterian Church cemetery in Shippingport, Pennsylvania, on Wednesday, Dec. 6, 2017. (Photo: Justin Merriman/Bloomberg)].
6. Illinois | Predicted number of complaints in 2018: 18,784 | Average yearly growth in number of reported cybercrimes: +562 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,218. [Signage is seen on a truck at the Archer-Daniels-Midland Co. (ADM) grain facility in Mendota, Illinois, on Thursday, Oct. 26, 2017. (Photo: Daniel Acker/Bloomberg)].

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5. New York | Predicted number of complaints in 2018: 19,507 | Average yearly growth in number of reported cybercrimes: -349 | Estimated average number of dollars lost per reported cybercrime in 2018: $7,149. [Traders work on the floor of the New York Stock Exchange (NYSE) in New York, U.S., on Tuesday, Jan. 16, 2018. (Photo: Micheal Nagle/Bloomberg)].
4. Michigan | Predicted number of complaints in 2018: 20,021 | Average yearly growth in number of reported cybercrimes: +1,295 | Estimated average number of dollars lost per reported cybercrime in 2018: $1,514. [Workers sort Gala apples at the Rasch Family Orchards packing facility in Grand Rapids, Michigan, on Monday Sept. 25, 2017. (Photo: Daniel Acker/Bloomberg)].
3. Texas | Predicted number of complaints in 2018: 33,644 | Average yearly growth in number of reported cybercrimes: +215 | Estimated average number of dollars lost per reported cybercrime in 2018: $2,854. [A State Farm catastrophe claims adjuster works out of a Ford Motor Co. Transit van while surveying homes affected by Hurricane Harvey in Rockport, Texas, on Saturday, Sept. 2, 2017. (Photo: Eddie Seal/Bloomberg)].
2. Florida | Predicted number of complaints in 2018: 37,225 | Average yearly growth in number of reported cybercrimes: +1,421 | Estimated average number of dollars lost per reported cybercrime in 2018: $3,002. [Visitors watch a performance at the Cinderella Castle at the Walt Disney Co. Magic Kingdom park in Orlando, Florida, on Tuesday, Sept. 12, 2017. (Photo: David Ryder/Bloomberg)].
1. California | Predicted number of complaints in 2018: 55,774 | Average yearly growth in number of reported cybercrimes: +515 | Estimated average number of dollars lost per reported cybercrime in 2018: $5,900 | The research by Website Builder Expert, found that California is going to have the most cybercrime complaints of any state over the next 12 months. Californians are expected to report more cybercime attacks this year than the bottom 27 states combined. [Alaska Air Group Inc. self check-in kiosks stand at the San Francisco International Airport (SFO) in San Francisco, California, on Friday, Jan. 19, 2018. (Photo: David Paul Morris/Bloomberg)].

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Billions of dollars are spent each year combating cybercrime and yet the number, intensity and severity of attacks keeps increasing.

Luckily, one of the most important protections against any risk is insurance. Independent insurance agents are in an important position to help their clients protect themselves with cyberinsurance.

A recent study conducted by Website Builder Expert (WBE), a platform that helps people launch websites, used data from the FBI’s Internet Crime Report and the Insurance Information Institute, to determine which states will lose the most money to cybercrime in 2018, as well as which locations will lose the most in regards to individual complaints.

Related: Top 10 writers of cybersecurity insurance

By taking the average annual change in the number of cybercrimes being reported by individuals, the researchers were able to identify the state where cybercrime is growing quickest. Are cyber risks high in your state?

Researchers determined that Vermont will be the potentially safest state online, with only 413 cybercrimes predicted to be reported by individuals this year.

Related: Cyber insurance soaring as risks rise

Above are the 15 states that will have the most cybercrime complaints of any state over the next 12 months, according to WBE.