Some regions are more prone to natural disasters than other areas. Insurance companies take these statistics into account when determining the premiums homeowners will pay. The companies have to try and prepare for large payouts when the disasters do finally hit.

Texas is one of the states that often hit the hardest. The region experiences almost all the natural disasters including high winds, flooding rains, hail, tornadoes and hurricanes.

Other hurricane prone states are also filling the pain of high premiums. Coastal communities in Florida, Mississippi and Louisiana have to pay larger amounts to cover their home for floods and winds.

Wind is one of the factors that can drive up the costs of home owners insurance. Areas in the plains region that are subject to high winds, including tornadoes, are often forced to pay much higher costs in homeowners insurance. Oklahoma is one of the states in the top five for high premium.

California may be subject to earthquakes and fires, but the premiums in the state are relatively low compared to other communities. This is mainly due to the construction requirements for homes. New buildings are built to withstand most of the natural disasters that are likely to occur.

When you begin looking for your new home, do think about the location. But you also want to consider how much more that location may cost you in homeowners insurance premiums once you settle in.