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Climate Change and Home Insurance Rates: What Homeowners Think

Digilifetrends Updated 2026-10-28 1 min read
Experts say climate change is impacting home insurance: Do homeowners see it?
Aerial view of a flooded road in Florida.

Most homeowners either do not believe climate change is driving higher home insurance premiums, or they are unsure whether the two are connected, according to Insurance.com’s Insurance and Climate Change survey. The poll found that 43% think climate change is affecting the home insurance market, while 32% say it is not and 25% are uncertain. Among homeowners who have already seen their rates rise, fewer than half, or 41%, say climate risk is the reason.

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