美国房屋保险费在2026年将上4%,达到3,057美元,主要是气候极端天气. U.S. home insurance premiums to rise 4% in 2026, reaching $3,057 avg, driven by climate-fueled extreme weather.

美国房屋保险费预计在2026年将上4%,达到平均每年3,057美元 - 这是连续第五年的增长,原因是暴风雨,冰,野火和洪水等恶劣天气造成的损失不断增加. U.S. home insurance premiums are projected to rise 4% in 2026, reaching an average of $3,057 annually—the fifth consecutive year of increases—driven by escalating losses from severe weather, including tornadoes, hail, wildfires, and flooding. 风暴造成的保险损失连续三年超过420亿美元,远高于10年的平均水平. 明尼苏达州,科罗拉多州,内布拉斯加州,俄克拉荷马州和爱荷华州等州的增幅超过了20%. Insured losses from storms exceeded $42 billion for three years in a row, far above the 10-year average, with states like Minnesota, Colorado, Nebraska, Oklahoma, and Iowa seeing hikes over 20%. 佛罗里达州仍然是最昂贵的州, 保险费近8,500美元. Florida remains the most expensive state, with premiums near $8,500. 许多房主正在削减开支或考虑放弃保险, 而保险公司面临着不断增加的成本和退出高风险地区. Many homeowners are cutting expenses or considering dropping coverage, while insurers face growing costs and are pulling back from high-risk areas. 气候变化是这一趋势的关键因素,极端天气事件频率和严重程度越来越高. Climate change is a key factor behind the trend, with extreme weather events increasing in frequency and severity.