There are some static elements that factor into an individual homeowner's annual insurance premiums such as their property's replacement cost, age, construction type and quality, size and the number of people who live there. But there also are a myriad of locational factors that can cause home insurance premiums to swell, and they aren't necessarily headline-grabbing weather events. Bankrate.com recently surveyed the top risks in each U.S. state in order to better understand how home insurance premiums vary from one place to the next. The consumer-finance educational site paired those geographic factors with the average price of insuring a $250,000 residence to determine how premiums compare across state lines. The slideshow above illustrates seven states in the U.S. where average home insurance premiums on a $250,000 dwelling surpass $2,000 per year, according to Bankrate.com. Researchers assembled this information with the intention of providing consumers with a more thorough look at how their home insurance premiums are determined. However, given the details involved in fully covering a residence as well as the distinctions from one household to the next, it takes a knowledgeable insurance agent to truly pinpoint a homeowner's risk and necessary coverages. See also:

• The biggest factors impacting home insurance to start 2023
• Forbes: Best U.S. home insurers for 2023
• The 10 most affordable home insurance companies