Safest Metro Areas in the United States

Posted January 28th, 2010
by HomeownersInsurance.org Staff (no comments)

minneapolisOne of the factors that goes into your homeowners insurance is the safety of your neighborhood or city. The fact of the matter is that some neighborhoods and some cities are much safer, overall, than others. Understanding a little bit about safety statistics can help you choose where to move if you’re looking, and where you’re likely to pay more for your homeowners insurance.

Understand, as well, that rural areas have significantly less violent crime than metro areas. By its nature, you’re going to face less in the way of insurance cost in those areas than you are in metro regions.

According to Forbes, here were the safest metro areas in the United States in 2009:

  1. Minneapolis-St. Paul, Minnesota
  2. Milwaukee, Wisconsin
  3. Portland, Washington
  4. Boston, Massachusetts
  5. Seattle, Washington
  6. Providence, Rhode Island
  7. San Jose, California
  8. New York, New York
  9. Cincinnati, Ohio

10. Cleveland, Ohio and Denver, Colorado (tie)

There aren’t that many surprises here, except maybe for #8. Keep in mind that Forbes ranked these cities based on crime per capita, and they included the entire metro NYC region. So, that ranking includes not only New York City but Long Island and even Northern New Jersey.

What is surprising is the city coming in at #12: Detroit, Michigan. Even though Detroit has a reputation as a crime-ridden city, and even though it’s suffered greatly at the hands of the recession, the crime rate has dramatically improved over the last decade.

If you’re looking for a new place to live and are most concerned about the cost of living, rural often makes the most sense. Property costs are significantly lower in most rural areas, plus you have the aforementioned savings on homeowners insurance.

Photo via Matti Mattila

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