About half of Americans understand that global warming is increasing homeowners insurance costs

A May 2025 survey of 1,040 U.S. adults found that while 82% believe homeowners insurance costs are increasing, only 48% attribute this rise to global warming. Other factors, including inflation (70%), corporate profits (69%), and weather-related disasters (69%), are more widely cited as contributors. A significant political divide exists: 71% of liberal Democrats and 61% of moderate/conservative Democrats link global warming to rising costs, compared to only 27% of liberal/moderate Republicans and 28% of conservative Republicans.

• A vast majority of Americans perceive a rise in homeowners insurance costs, with 82% stating costs are increasing and 66% specifying they are increasing "a lot."
• While 48% of Americans believe global warming contributes to rising insurance costs, more people attribute the increases to other factors: inflation (70%), insurance company profits (69%), disasters such as hurricanes, floods, and wildfires (69%), and increased property values (63%).
• There is a sharp political divide regarding the role of global warming in insurance costs. Support for this link is high among Democrats (71% for liberal Democrats and 61% for moderate/conservative Democrats) but low among Republicans (27% for liberal/moderate Republicans and 28% for conservative Republicans).
• A perception gap exists specifically among Republicans, who are more than twice as likely to attribute rising costs to "disasters" (68%) than to "global warming" (27%).

APA

Team, M. 4. (2025). About half of Americans understand that global warming is increasing homeowners insurance costs. Center for Climate Change Communication. https://climatecommunication.gmu.edu/all/about-half-of-americans-understand-that-global-warming-is-increasing-homeowners-insurance-costs/

Chicago

Team, Mason 4C. About half of Americans understand that global warming is increasing homeowners insurance costs. Center for Climate Change Communication, 2025. https://climatecommunication.gmu.edu/all/about-half-of-americans-understand-that-global-warming-is-increasing-homeowners-insurance-costs/.

Wikipedia

{{cite report |last1=Team |first1=Mason 4C |title=About half of Americans understand that global warming is increasing homeowners insurance costs |publisher=Center for Climate Change Communication |date=8 September 2025 |url=https://climatecommunication.gmu.edu/all/about-half-of-americans-understand-that-global-warming-is-increasing-homeowners-insurance-costs/ |access-date=23 October 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{team2025about, author = {Team, Mason 4C}, title = {{About half of Americans understand that global warming is increasing homeowners insurance costs}}, institution = {Center for Climate Change Communication}, year = {2025}, month = sep, url = {https://climatecommunication.gmu.edu/all/about-half-of-americans-understand-that-global-warming-is-increasing-homeowners-insurance-costs/}, urldate = {2026-10-23}, note = {Indexed by Climate Insights Directory} }