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Homeowners across the U.S. will see steeper insurance bills in 2025, with premiums rising due to escalating climate risks and soaring repair costs. According to a new study by Insurify, the average annual premium is expected to jump 8% to $3,520, adding roughly $261 per household.
Natural disasters—wildfires, hurricanes, and severe storms—are driving up claims.
Inflation in construction costs makes repairs more expensive, forcing insurers to raise premiums.
Since 2017, weather-related disasters have caused over $1 trillion in damage (NCEI).
Florida – Already the costliest at $15,460/year (up 9%), with Hialeah topping U.S. cities at $26,693.
Louisiana – Premiums skyrocketed 38% to $13,937/year due to hurricane risks and insurer losses.
Oklahoma – Up to $8,369/year after tornadoes and hail led some insurers to drop policies.
| # | State | 2024 Premium | 2025 Projected Premium | % Increase (2025) | Cost Increase (2025) |
|---|---|---|---|---|---|
| 1 | Alabama | $5,445 | $5,831 | 7% | $386 |
| 2 | Alaska | $1,470 | $1,543 | 5% | $74 |
| 3 | Arizona | $3,012 | $3,240 | 8% | $229 |
| 4 | Arkansas | $4,490 | $5,077 | 13% | $588 |
| 5 | California | $2,424 | $2,930 | 21% | $509 |
| 6 | Colorado | $5,984 | $6,630 | 11% | $646 |
| 7 | Connecticut | $2,600 | $2,724 | 5% | $124 |
| 8 | Delaware | $1,607 | $1,693 | 5% | $87 |
| 9 | Florida | $14,140 | $15,460 | 9% | $1,320 |
| 10 | Georgia | $3,528 | $3,826 | 8% | $299 |
| 11 | Hawaii | $1,548 | $1,808 | 17% | $260 |
| 12 | Idaho | $2,408 | $2,595 | 8% | $187 |
| 13 | Illinois | $3,088 | $3,402 | 10% | $314 |
| 14 | Indiana | $2,574 | $2,766 | 7% | $192 |
| 15 | Iowa | $3,201 | $3,825 | 19% | $624 |
| 16 | Kansas | $4,556 | $4,782 | 5% | $226 |
| 17 | Kentucky | $3,294 | $3,623 | 10% | $329 |
| 18 | Louisiana | $10,964 | $13,937 | 27% | $2,974 |
| 19 | Maine | $1,641 | $1,688 | 3% | $47 |
| 20 | Maryland | $2,206 | $2,385 | 8% | $179 |
| 21 | Massachusetts | $2,382 | $2,432 | 2% | $51 |
| 22 | Michigan | $3,038 | $3,290 | 8% | $252 |
| 23 | Minnesota | $3,524 | $4,058 | 15% | $534 |
| 24 | Mississippi | $4,809 | $5,198 | 8% | $389 |
| 25 | Missouri | $3,403 | $3,641 | 7% | $237 |
| 26 | Montana | $2,204 | $2,433 | 10% | $229 |
| 27 | Nebraska | $4,725 | $5,203 | 10% | $478 |
| 28 | Nevada | $1,743 | $1,839 | 6% | $96 |
| 29 | New Hampshire | $1,556 | $1,608 | 3% | $52 |
| 30 | New Jersey | $1,674 | $1,773 | 6% | $99 |
| 31 | New Mexico | $4,460 | $4,745 | 6% | $285 |
| 32 | New York | $2,732 | $2,855 | 5% | $123 |
| 33 | North Carolina | $3,233 | $3,432 | 6% | $198 |
| 34 | North Dakota | $3,712 | $3,931 | 6% | $219 |
| 35 | Ohio | $1,851 | $2,006 | 8% | $155 |
| 36 | Oklahoma | $7,762 | $8,369 | 8% | $607 |
| 37 | Oregon | $1,617 | $1,807 | 12% | $190 |
| 38 | Pennsylvania | $1,695 | $1,806 | 7% | $111 |
| 39 | Rhode Island | $2,779 | $2,897 | 4% | $118 |
| 40 | South Carolina | $4,017 | $4,172 | 4% | $155 |
| 41 | South Dakota | $3,596 | $4,061 | 13% | $465 |
| 42 | Tennessee | $3,247 | $3,527 | 9% | $279 |
| 43 | Texas | $6,005 | $6,522 | 9% | $516 |
| 44 | Utah | $2,037 | $2,215 | 9% | $178 |
| 45 | Vermont | $1,208 | $1,248 | 3% | $39 |
| 46 | Virginia | $2,162 | $2,278 | 5% | $117 |
| 47 | Washington | $1,854 | $1,995 | 8% | $141 |
| 48 | Washington, D.C. | $1,619 | N/A | N/A | N/A |
| 49 | West Virginia | $1,656 | $1,744 | 5% | $88 |
| 50 | Wisconsin | $1,892 | $2,050 | 8% | $158 |
| 51 | Wyoming | $2,268 | $2,424 | 7% | $155 |
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Louisiana (+38%) – Highest increase nationwide.
California (+21%, avg. $2,930) – Wildfires and new rules allowing climate-risk pricing.
Iowa (+19%) – Record tornadoes and flooding in 2024 pushed up costs.
While every state will see increases (ranging from 2% to 38%), Louisiana, California, Iowa, and Hawaii face hikes more than double the national average.
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What You’ll Find Inside:
Welcome to Idaho: An overview of the unique charm and culture of the state, highlighting its friendly communities and breathtaking landscapes.
Moving Logistics: Practical tips on planning your move, including timelines, packing strategies, and selecting reliable moving services.
Cost of Living Insights: An analysis of housing prices, and everyday expenses to help you budget for your new life in Idaho.
City Guides: Detailed descriptions of popular cities and towns such as Boise, Coeur d'Alene, and Idaho Falls, along with their unique features and attractions.
Outdoor Adventures: An exploration of Idaho's stunning natural beauty, from hiking and biking trails to national parks and recreational activities.
Tips for New Residents: Practical advice on adjusting to life in Idaho.
and more....
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