Nebraska, Oklahoma, and Kansas Lead in Home-Insurance Costs Amid Rising Premiums Nationwide

A recent study shows homeowners in these states face the highest insurance premiums, with costs significantly above the national average.

Homeowners in Nebraska, Oklahoma, and Kansas are paying over $4,000 annually for home insurance, far exceeding the national average.
The average cost of homeowners' insurance in the U.S. has surged to $1,759 per year for $250,000 in dwelling coverage, marking a 23% increase from 2023.
Insurance premiums continue to rise due to the impact of inflation, the high cost of building materials, and the increased risk of extreme weather events.
States like Florida, Mississippi, Texas, Georgia, Massachusetts, New York, and Colorado also face significantly higher premiums due to severe weather risks.
The rising cost of home insurance could contribute to a potential exodus from states with the highest premiums, impacting homeownership affordability.