Percent change in premiums, 2020-23
–20
0
+20
+40
+60
+80%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
The gulf coast and the western US had the
largest home insurance increases
Disaster risk quintiles
Lowest
20%
Middle
20%
Highest
20%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Disaster risk is more geographically varied,
but there is overlap with the most at risk
areas and premium increases
Percent change in premiums, 2020-23
–20
0
+20
+40
+60
+80%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
The gulf coast and the
western US had the largest
home insurance increases
Disaster risk quintiles
Lowest
20%
Middle
20%
Highest
20%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Disaster risk is more geographically varied, but
there is overlap with the most at risk areas and
premium increases
Percent change in premiums, 2020-23
–20
0
+20
+40
+60
+80%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
The gulf coast and the
western US had the largest
home insurance increases
Disaster risk quintiles
Lowest
20%
Middle
20%
Highest
20%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Disaster risk is more geographically varied, but
there is overlap with the most at risk areas and
premium increases
Percent change in premiums, 2020-23
The gulf coast and the
western US had the largest
home insurance increases
–20
0
+20
+40
+60
+80%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Disaster risk quintiles
Disaster risk is more geographically
varied, but there is overlap with
the most at risk areas and
premium increases
Lowest
20%
Middle
20%
Highest
20%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Percent change in premiums, 2020-23
The gulf coast and the
western US had the largest
home insurance increases
–20
0
+20
+40
+60
+80%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Disaster risk quintiles
Disaster risk is more geographically
varied, but there is overlap with
the most at risk areas and
premium increases
Lowest
20%
Middle
20%
Highest
20%
Insufficient
data
Wash.
Maine
Mont.
ND
Vt.
Ore.
Minn.
NH
Idaho
NY
Mass.
Wis.
SD
Mich.
Conn.
Wyo.
Pa.
Iowa
NJ
Nebr.
Nev.
Ohio
Del.
Ind.
Utah
Ill.
Calif.
W. Va.
Colo.
Va.
Mo.
Kan.
Ky.
NC
Tenn.
Okla.
Ariz.
Ark.
SC
NM
Ga.
Ala.
Miss.
Tex.
La.
Fla.
Alaska
Hawaii
Percent change in premiums, 2020-23
Disaster risk quintiles
Lowest
20%
Middle
20%
Highest
20%
–20
0
+20
+40
+60
+80%
Insufficient
data
Insufficient
data
Wash.
Wash.
Maine
Maine
Mont.
Mont.
ND
ND
Vt.
Vt.
Ore.
Ore.
Minn.
Minn.
NH
NH
Idaho
Idaho
NY
NY
Mass.
Mass.
Wis.
Wis.
SD
SD
Mich.
Mich.
Conn.
Conn.
Wyo.
Wyo.
Pa.
Pa.
Iowa
Iowa
NJ
NJ
Nebr.
Nebr.
Nev.
Nev.
Ohio
Ohio
Del.
Del.
Ind.
Ind.
Utah
Utah
Ill.
Ill.
Calif.
Calif.
W. Va.
W. Va.
Colo.
Colo.
Va.
Va.
Mo.
Mo.
Kan.
Kan.
Ky.
Ky.
NC
NC
Tenn.
Tenn.
Okla.
Okla.
Ariz.
Ariz.
Ark.
Ark.
SC
SC
NM
NM
Ga.
Ga.
Ala.
Ala.
Miss.
Miss.
Tex.
Tex.
La.
La.
Fla.
Fla.
Alaska
Alaska
Hawaii
Hawaii
The gulf coast and the
western US had the largest
home insurance increases
Disaster risk is more geographically varied,
but there is overlap with the most at risk
areas and premium increases
Percent change in premiums, 2020-23
Disaster risk quintiles
Lowest
20%
Middle
20%
Highest
20%
–20
0
+20
+40
+60
+80%
Insufficient
data
Insufficient
data
Wash.
Wash.
Maine
Maine
Mont.
Mont.
ND
ND
Vt.
Vt.
Ore.
Ore.
Minn.
Minn.
NH
NH
Idaho
Idaho
NY
NY
Mass.
Mass.
Wis.
Wis.
SD
SD
Mich.
Mich.
Conn.
Conn.
Wyo.
Wyo.
Pa.
Pa.
Iowa
Iowa
NJ
NJ
Nebr.
Nebr.
Nev.
Nev.
Ohio
Ohio
Del.
Del.
Ind.
Ind.
Utah
Utah
Ill.
Ill.
Calif.
Calif.
W. Va.
W. Va.
Colo.
Colo.
Va.
Va.
Mo.
Mo.
Kan.
Kan.
Ky.
Ky.
NC
NC
Tenn.
Tenn.
Okla.
Okla.
Ariz.
Ariz.
Ark.
Ark.
SC
SC
NM
NM
Ga.
Ga.
Ala.
Ala.
Miss.
Miss.
Tex.
Tex.
La.
La.
Fla.
Fla.
Alaska
Alaska
The gulf coast and the
western US had the
largest home
insurance increases
Disaster risk is more
geographically varied,
but there is overlap with
the most at risk areas and
premium increases
Hawaii
Hawaii