Americans understand that global warming is increasing homeowners insurance

A May 2025 survey of 1,040 U.S. adults found that while 82% of Americans believe homeowners insurance costs are increasing, only 48% attribute this rise to global warming. In contrast, 69% link the increases to disasters such as hurricanes, floods, and wildfires. Other highly cited drivers include inflation (70%) and insurance company profits (69%). A significant political divide exists regarding the role of global warming, with 71% of liberal Democrats and only 27-28% of Republicans acknowledging its contribution.

• A vast majority of Americans perceive an increase in homeowners insurance costs, with 82% stating costs are rising and 66% specifying they are increasing "a lot."
• Americans identify several primary drivers for rising insurance costs, with inflation (70%), corporate profits (69%), and weather-related disasters (69%) being the most cited factors. Increased property values were cited by 63% of respondents.
• There is a notable gap between the attribution of insurance costs to specific disasters versus global warming; 69% of Americans link costs to disasters, while only 48% link them to global warming.
• Political affiliation strongly influences the perception of global warming's role in insurance costs. While 71% of liberal Democrats and 61% of moderate/conservative Democrats see a link, only 27% of liberal/moderate Republicans and 28% of conservative Republicans do.
• The perception gap regarding the link between global warming and insurance costs is most pronounced among Republicans, where more than twice as many people attribute costs to "disasters" (68%) than to "global warming" (27%).

APA

Yale Program on Climate Change Communication (2025). Americans understand that global warming is increasing homeowners insurance. https://climatecommunication.yale.edu/publications/americans-understand-that-global-warming-is-increasing-homeowners-insurance/

Chicago

Yale Program on Climate Change Communication. Americans understand that global warming is increasing homeowners insurance. 2025. https://climatecommunication.yale.edu/publications/americans-understand-that-global-warming-is-increasing-homeowners-insurance/.

Wikipedia

{{cite report |author=Yale Program on Climate Change Communication |title=Americans understand that global warming is increasing homeowners insurance |date=9 September 2025 |url=https://climatecommunication.yale.edu/publications/americans-understand-that-global-warming-is-increasing-homeowners-insurance/ |access-date=23 October 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{yaleprogramonclimatechangecommunication2025americans, author = {{Yale Program on Climate Change Communication}}, title = {{Americans understand that global warming is increasing homeowners insurance}}, institution = {Yale Program on Climate Change Communication}, year = {2025}, month = sep, url = {https://climatecommunication.yale.edu/publications/americans-understand-that-global-warming-is-increasing-homeowners-insurance/}, urldate = {2026-10-23}, note = {Indexed by Climate Insights Directory} }