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Homeowners insurance rates have risen sharply in states like Florida and California for years. Now, the affordability crisis is spreading across the country.
Nationwide, home insurance rates rose nearly 47% from 2020 through 2025, according to LendingTree's 2026 State of Home Insurance report.
In the hardest-hit states, the 2025 jump was about three times the national average. Colorado saw rates jump 18.3%, while Minnesota and Iowa were close behind at 17% and 14.7%, respectively. No state included in LendingTree's analysis saw rates fall that year.
"Homeowners across the country have faced steeply risen rates," said Sharon Cornelissen, director of housing at the Consumer Federation of America (CFA), a nonprofit consumer advocacy organization based in Washington, D.C. "It's not just California and Florida anymore."