By state
Roof replacement cost by state
Local labor rates, hail and wind exposure, and state insurance rules all move roofing costs. Pick your state for a rough range and the roof-claim quirks that matter where you live.
These are coarse planning ranges built from a national baseline (a typical asphalt re-roof near $11,000) adjusted by a rough regional cost index — not measured quotes. Always confirm with local roofers. Where roofs face heavy hail or hurricane wind, expect separate percentage deductibles and, on older roofs, actual-cash-value settlements.
Sources & methodology
- Roof replacement cost data — Angi (national average ≈ $9,500; typical range ≈ $5,900–$13,000)
- Insurance Information Institute (III) — what homeowners insurance covers & ACV vs replacement cost
- Your state Department of Insurance — the authority on wind/hail deductibles, matching laws, and disputing a denial
- A licensed, insured roofing contractor in your area — the authoritative source for a measured quote and scope
Estimates compiled from the sources above and standard cost models — not professional, insurance, or legal advice, and may not reflect your policy or local prices. See our full methodology and disclaimer.