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this post was submitted on 19 Nov 2025
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Aside from Florida, this is just a map of how expensive land is (or isn’t).
I wish. I I'd be buying half the PNW if that was the case.
It's a combination of that with areas prone to floods, strong winds and forest fires.
The heat map shows insurance in California is cheap. Between fire, flood, and earthquake insurance, and being HCOL, I can assure it is not. If you can find it at all. And LA is still smoldering from the fires last January.
The property values are insanely high in California, which makes insurance as a percent of property values seem low, even if it isn’t in absolute terms.
A million-dollar condo by the coast pays more in insurance than an identical condo in a LCOL area, but the property value masks that when considered as a percent.
Hence my original comment.
Redo this as insurance cost per square foot and it’d be much more useful.