Hurricanes may have stayed away from the state since 2005, but Florida's homeowners are still feeling the financial hit. Floridians pay the nation's most expensive home insurance premiums, averaging  $2,115, up from $2,084 a year earlier. Florida has the highest property insurance rates because it has the nation's highest insured catastrophe losses - despite 10 storm-free years.

The national average is $1,096. The Sunshine State led Texas $1,837) and Louisiana ($1,822 for most expensive average premium, according to the National Association of Insurance Commissioners.