尽管灾害较少,但由于成本和风险上升,美国家庭保险费在2026年将上升3-8%,特别是在中西部。 Despite fewer disasters, U.S. home insurance premiums are set to rise 3%–8% in 2026, especially in the Midwest, due to rising costs and risks.

2025年,美国发生的重大自然灾害比近几年少,但预计2026年全国家庭保险费仍将上升3%至8%,其中中西部州受暴风雨袭击的增幅最大。 In 2025, the U.S. saw fewer major natural disasters than in recent years, but home insurance premiums are still expected to rise 3% to 8% nationwide in 2026, with the largest increases in Midwestern states hit by severe storms. 许多房主在Florida的保险率下降,因为私人保险人返回,而国家的最后保险人降低了保险费。 Florida saw rate drops for many homeowners as private insurers returned and the state’s insurer of last resort lowered premiums. 尽管一年比较平静,但重建成本不断上涨、气候变化、高风险地区的人口增长和高再保险价格继续抬高保险成本。 Despite a quieter year, rising rebuilding costs, climate change, population growth in high-risk areas, and high reinsurance prices continue to drive up insurance costs. 全国年平均保费约为2 400美元,约有14%的家庭由于负担能力问题仍然没有保险。 The national average premium is about $2,400 annually, and roughly 14% of homes remain uninsured due to affordability concerns. 专家说,如果不再开展几年的低灾害活动,持续下降率是不可能的。 Experts say sustained rate decreases are unlikely without several more years of low disaster activity.