Homeowners Insurance by State 2026: California +16%, Nebraska +13%, Georgia +10% — The Full Map

# Homeowners Insurance by State 2026: California +16%, Nebraska +13%, Georgia +10% — The Full Map

> **Quick answer:** Homeowners insurance premiums will rise an average of 4% nationally in 2026, pushing the typical annual cost to $3,057 — but that average masks wild swings by state. California faces the steepest climb at +16%, driven by $41 billion in LA wildfire losses and new catastrophe modeling rules. Nebraska (+13%) and Georgia (+10%) follow close behind. Five states — Hawaii, Massachusetts, Maine, Louisiana, and Rhode Island — may see small decreases. Your ZIP code now matters more than your claims history.

The national average for homeowners insurance is heading to $3,057 by year-end 2026, according to projections from Insurify — the fifth consecutive annual increase. But "average" is doing a lot of heavy lifting here. The real story in 2026 is the dramatic divergence between states, where your specific risk geography now determines your premium almost as much as your home's value.

This is the state-by-state breakdown the other articles aren't giving you: which states are getting hit hardest, which are catching a break, and — most importantly — why the numbers are so different.

**This article is for informational purposes only and does not constitute financial advice. Consult a qualified financial advisor or licensed insurance agent for personal insurance decisions.**

## The 2026 Rate Map: Biggest Increases by State