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Texas Average Annual Premium: $1,372 Name all the country's collective disasters, and you'll find them all in the Lone Star state, where insurers try to make a profit despite hurricanes, tornadoes, hail, wind storms and earthquakes. At an average premium rate of $1,328, Texas tops our list. The good news for Texans is that rates are falling, thanks to 2003 regulations. What's more, the rest of the country is closing the gap.
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