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Home Insurance Rates Rose in First Half of 2026; Some Counties Up 33%

Climate change and regulatory shifts helped push average home insurance costs higher in parts of the U.S. during early 2026.

Published Sep 15, 2026, 3:00 AM EDT | WFMZZ

Average home insurance costs increased in the first half of 2026 in parts of the United States due to shifting climate risk and ongoing regulatory changes. In some counties, average rates spiked by as much as 33%.