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Story summary
- Insurify projects a 2026 average 4% rise in home insurance rates due to severe weather.
- Storms caused more than $52 billion in insured losses in 2025, driving higher costs.
- California (16%), Nebraska (13%), New Mexico (11%), and Georgia (10%) lead 2026 hikes.
- Hawaii and Massachusetts may see rates fall up to 2% by end of 2026.
- A 10% rise in insurance costs could reduce housing prices about 4.6%.
