All calculations on HomeInsureCalc are based on publicly available data from the following authoritative sources. We do not use proprietary or non-public insurance rating data. This page serves as our central reference hub to meet Google E-E-A-T guidelines for Your Money or Your Life (YMYL) content.
The NFIP provides flood insurance to property owners, renters, and businesses. Our flood insurance estimates use benchmark data from FEMA's Risk Rating 2.0 methodology.
The III is the leading source of insurance industry data, analysis, and consumer education. Our national and state average premium data draws from III publications.
The NAIC is the U.S. standard-setting and regulatory support organization for state insurance regulators. Their data informs our state-level insurance benchmarks.
CoreLogic provides residential reconstruction cost data used by the insurance industry for dwelling coverage estimation. Their reports inform our state-level rebuild cost benchmarks.
The NAHB publishes the annual "Cost of Constructing a Home" survey, which provides construction cost data across all 50 states.
Verisk's 360Value Quarterly Reconstruction Cost Analysis tracks residential reconstruction cost trends across all US states.
Each US state has a Department of Insurance (DOI) that regulates insurance carriers, publishes consumer guides, and maintains rate filing databases. We reference state DOI data for state-specific insurance regulations and rate benchmarks. Below are links to all 50 state DOI websites:
Note: HomeInsureCalc is not affiliated with, endorsed by, or representing any of the organizations listed above. These links are provided for reference and attribution purposes only.
Last reviewed: June 2026