Map Shows Where America’s Home Insurance Crisis Is Hitting Hardest
Summary
Homeowners insurance costs in the U.S. rose 64% from 2021 to 2025, driven by more natural disasters and higher repair costs. States like Arizona, Idaho, and Louisiana saw the biggest increases, making it harder for many Americans to afford homeownership.Key Facts
- The average annual homeowners insurance premium grew from $1,597 in 2021 to $2,625 in 2025.
- Arizona experienced the highest increase, with premiums growing 94% over five years.
- Other states with large rises include Idaho (88%), Iowa (83%), South Dakota (83%), Utah (82%), Minnesota (82%), Washington (81%), Louisiana (80%), and Colorado (80%).
- Even the smallest increase was significant; Alaska saw a 27% rise in premiums.
- Louisiana had the highest average premium at $4,238 per year, followed by Florida ($4,060) and Texas ($3,952).
- Experts predict premiums will rise another 4% to about $3,057 nationwide in 2024.
- Rising premiums increase monthly mortgage costs and can force insurers to reduce coverage or cancel policies.
- The Justice Department filed a brief supporting a case accusing insurers in California of canceling fire coverage to push customers onto a state-run insurance plan.
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