In January 2025, the Federal Insurance Office (FIO) issued a report on rising homeowners insurance costs from 2018 to 2022, based on data collected by FIO and the National Association of Insurance Commissioners. The report found that over this time period, homeowners insurance premiums increased 8.7% faster than inflation, and that some consumers experienced substantially larger premiums.

The cost of insurance for consumers was also much higher in areas with higher expected losses from climate change-related perils. Policy nonrenewal rates were also higher in areas with the highest expected losses from climate-related perils. Overall, the ZIP codes within each region with the highest expected losses saw the highest insurance costs for consumers, the highest losses affecting insurers’ costs, and the highest nonrenewal rates.

In fall 2025, the Trump administration deleted this report from FIO’s website, as part of a larger pattern of data suppression. Other insurance reports were deleted as well. This attempted suppression of past research helps no one and makes it more difficult for consumers, consumer advocates, insurance regulators, and insurance companies to get helpful data.

The Consumer Federation of America has therefore decided to put this report up on our website, to make sure it is easily available. The report can be downloaded here and below. The ZIP code level data used in the report can also be downloaded here.