Home Insurance Affordability by State: The Cost Pressure Map in 2026
Home insurance affordability has deteriorated faster than auto affordability. The latest Triple-I index and NAIC market work show both price pressure and availability pressure.
The national trend
Insurance cost as share of median household income
Latest Triple-I affordability measures for auto and homeowners.
Where affordability is most stressed
AlabamaArkansasFloridaLouisianaMinnesotaMississippiNebraskaOklahomaRhode IslandTexas
Two extreme examples called out by Triple-I
Share of state median household income in the latest index.
Affordability is not the only problem
Triple-I also tracks availability through residual and excess-and-surplus market share. It reported the combined share rising from 3.8% in 2020 to 5.6% in 2025. NAIC’s August 2026 national analysis separately adds seven years of state-collected premium, claims and nonrenewal data. That gives this page a natural annual update path rather than turning it into a one-off listicle.
FAQ
Are these average premiums?
No. The featured Triple-I metric is insurance cost relative to median household income, an affordability measure.
Why can a state have an availability problem even if prices look manageable?
Standard-market capacity, insurer participation, residual-market use and nonrenewals can tighten before or alongside large price moves.
What should a homeowner actually do with this information?
Standardize quotes, review reconstruction cost, deductibles and endorsements, and use the state department of insurance for local consumer resources.
Sources & methodology
We favor regulators, government agencies and primary insurance-industry data for factual rules and current limits. Calculators use the numbers you enter and clearly labeled illustrative assumptions rather than pretending a national average is your quote.