The 21st century seems of been highlighted with a major shift in the weather system around the globe. The U.S.A hasn’t been spared with natural disasters creating havoc in the life’s of millions of Americans.

Even more crucial than ever in the history of home owner security is home insurance. Insurance companies have inflated the cost of premiums in accordance with the rise in national disasters across the continent. Risk assessment is what insurance companies base their longevity on. So how does your state rate on the list?

• 1. Texas Average Annual Premium: $1,362
• 2. Louisiana Average Annual Premium: $1,074
• 3. Oklahoma Average Annual Premium: $991
• 4. Florida Average Annual Premium: $929
• 5. Mississippi Average Annual Premium: $907
• 6. District of Columbia Average Annual Premium: $894
• 7. California Average Annual Premium: $835
• 8. Kansas Average Annual Premium: $833
• 9. Colorado Average Annual Premium: $811
• 10. Alaska Average Annual Premium: $810