Average US annual premiums ↑ to about $2,424 in 2026, from roughly $2,110 in 2025.
Global home insurance premiums hit about $336B in 2026, ↑ from roughly $312B in 2025.
Insured natural-disaster losses crossed $107B in 2025, the 6th straight year above $100B.
Insurers pulled back in high-risk regions, pushing more than 1 in 5 wildfire-prone homes into state-backed plans.
US home insurance premiums projected ↑ about 8% in 2026, part of a 16% cumulative ↑ through 2027.
