Is Homeowners Insurance Increasing? 
On average they are . Of course rates can vary state to state and region to region within those states depending upon the type of risk that may be more prevalant . Coastal areas are more susceptible to wind and hurricane losses whereas inland plains states might have to deal more with tornadoes or wildfires . Flooding can occur anywhere and though that is not covered by standard Homeowners policies , homeowners who happen to own property in a higher risk flood zone will be required to purchase Flood Insurance , thus increasing their insurance costs . Climate change has certainly affected the frequency and severity of certain weather patterns and that has had a direct impact on property losses and therefore insurance premiums . 