加利福尼亚州的家庭保险费在全国是中等水平的,但气候风险和改革可能会增加成本,以扩大火灾易发地区的保险覆盖面。 California's home insurance premiums are mid-tier nationally, but climate risks and reforms may raise costs to improve coverage in fire-prone areas.

加州的家庭保险费在2023年每年平均为1,200美元,尽管野火和通货膨胀导致成本上升,但全国排名居中。 UC Berkeley的一项研究发现。 California’s home insurance premiums, averaging $1,200 annually in 2023, ranked mid-tier nationally despite rising costs from wildfires and inflation, a UC Berkeley study found. 虽然佛罗里达州、路易斯安那州和得克萨斯州由于飓风和龙卷风风险而面临更高的利率,但加利福尼亚州监管者批准了改革,允许保险公司将气候变化纳入定价,从而可能增加保险费。 While states like Florida, Louisiana, and Texas face higher rates due to hurricane and tornado risks, California regulators approved reforms allowing insurers to factor climate change into pricing, potentially increasing premiums. 这一行动的目的是扩大高风险火灾区的覆盖面,因为许多房主依赖昂贵的FAIR计划。 The move aims to boost coverage in high-risk fire areas, where many homeowners rely on the costly FAIR Plan. 大约16%没有抵押贷款的加利福尼亚房主在2023年没有保险,农村和火灾易发地区,如山区丘陵,比率达到或超过20%。 About 16% of California homeowners without mortgages were uninsured in 2023, with rural and fire-prone regions like the Sierra foothills seeing rates of 20% or more.