Home-insurance premiums just hit a record high. Here’s where they spiked the most.

Home insurance premiums reached record levels in 2025, with increases concentrated in states most affected by hurricanes, wildfires, and severe storms. Florida, California, and Texas experienced the largest premium increases as insurers adjusted rates to reflect heightened disaster risk in those regions. Insurance companies cited rising costs from claims related to natural disasters as the primary reason for the price adjustments.

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