Map Shows States Hit Hardest By Rising Home Insurance Costs
Summary
Home insurance costs in the U.S. have risen by 24% in three years, with the Midwest experiencing the largest increases. This rise is linked mainly to more severe weather events like tornadoes and hailstorms in that region, although premium growth has slowed recently.Key Facts
- Typical home insurance premiums increased from $2,068 in early 2023 to $2,564 in early 2026.
- The Midwest saw a 25% increase in home insurance costs over the same period, higher than other regions.
- Wisconsin had the highest increase at nearly 41%, followed by Michigan at about 30%.
- Severe hailstorms, defined as hail 1 inch or larger, increased dramatically in Missouri (276%) and Illinois (258%) between 2023 and 2025.
- Premium rises slowed from 10.8% (2024-2025) to 4.6% (2025-2026).
- In the past year, insurance premiums fell in 18 states plus Washington, D.C.
- The slowdown is partly due to a quieter hurricane season in 2025 and insurance market reforms in California and Florida.
- The Midwest’s weather challenges have raised the risk for insurers, leading to higher premiums.
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