Drawing on county assessor records, FEMA flood maps, and local market rate benchmarks, the patterns are striking: the average homeowner is leaving $2,800-$4,200/year on the table across insurance, taxes, and home services.
By combining county assessor records, FEMA flood map designations, and local market rate benchmarks, a clear picture of homeowner overpayment emerges. Comparing a home's insurance, property taxes, flood risk, solar potential, internet costs, pest control, lawn care, and other recurring expenses against public data and local market rates reveals that most homeowners are overpaying in at least 2-3 categories. Our public-record and benchmark analysis puts the average total potential savings at $2,800-$4,200 per year. Here's what the data shows, broken down by category and geography.
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