2026 Update: Where Home Insurance is Rising and Falling

For the twelve months ending February 2026, new data shows home insurance premiums are still rising, though more slowly than in 2025. After climbing about 10% across the country last year, prices rose a modest 5% this time around. But the national number hides a lot: several states that spiked earliest in the post-COVID cycle have now cooled dramatically, while a fresh set of markets has taken over as the worst for premium increases. Below, we break out the five fastest-rising and five slowest-rising states, then zoom out to the cumulative picture since the start of 2022.

The states with the fastest-growing home insurance premiums as of February 2026 were Hawaii (15%), North Carolina, Nevada, and Rhode Island (all at 12%), and Georgia (11%). With the exception of Georgia, premiums in these states grew at rates similar to the prior year — a sign that where premium growth is high, it also tends to be sticky. Even with homeowners already paying elevated premiums, carriers see room to keep raising prices in the current environment.

At the opposite end of the spectrum, Texas and Florida actually saw premiums decrease, with prices in each state slipping around 1%. Louisiana stayed essentially flat. That comes as something of a surprise, since Texas and Louisiana were among the most aggressive premium-hikers earlier in the post-COVID cycle, and Florida has long been the poster child for high home insurance costs. The recent slowing in growth rates reflects more competition among carriers at these reset levels, healthier carrier financials, and fewer recent catastrophe payouts than in prior years. For now, most of the Gulf Coast looks steady.

The recent price action does not reflect the longer story of the past five years. Since the start of 2022, premiums have compounded most in the Plains and Mountain West states, with Nebraska, Utah, Iowa, Colorado, and Idaho posting the largest cumulative increases over that period. Despite the attention paid to California's coverage struggles and Florida's high premiums, it is the states facing severe convective and winter storms that have seen the steepest cumulative hikes over the long haul.

The pattern today is clear: the states rising fastest are largely not the cumulative leaders, and the cumulative leaders are not the ones making headlines. Insurance pricing is a moving target, shifting region by region, and the markets that saw the most aggressive hikes in recent years are now getting something of a reprieve.

That kind of unpredictability is exactly why getting ahead of it matters. At Eventual, we're focused on protecting homeowners from swings like these. No matter the market, Premium Lock™ remains the simple, affordable, and obvious choice.