If you live in a hurricane-prone state, you probably know the basics of how to prepare for a hurricane and have an emergency kit at the ready. But how much do you know about the costs of owning a home in a hurricane-prone state, specifically costs pertaining to home insurance?
Check Out: 4 Housing Markets That Have Plummeted in Value Over the Past 5 Years
Read Next: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too
Home insurance costs in hurricane-prone states are going way up in 2025. The annual cost of home insurance will increase 8% by the end of the year to a national average of $3,520, according to projections by Insurify. New research by Insurify captured both storm probability and the projected increase in home insurance costs in 2025. Ranked by likelihood of a hurricane, these are the 10 most hurricane-prone states with rising home insurance costs.
Trending Now: Suze Orman’s Secret to a Wealthy Retirement–Have You Made This Money Move?
10. New York
Major hurricane probability: 3% (50% above average)
Named storm probability: 32% (23% above average)
Projected home insurance cost increase in 2025: 5%
Projected annual cost of home insurance by the end of 2025: $2,855
Explore More: The Cheapest Place To Buy a Home in Every State
9. Massachusetts
Major hurricane probability: 4% (33% above average)
Named storm probability: 40% (21% above average)
Projected home insurance cost increase in 2025: 2%
Projected annual cost of home insurance by the end of 2025: $2,432
8. Georgia
Major hurricane probability: 8% (33% above average)
Named storm probability: 72% (14% above average)
Projected home insurance cost increase in 2025: 8%
Projected annual cost home insurance by the end of 2025: $3,826
7. Mississippi
Major hurricane probability: 9% (13% above average)
Named storm probability: 62% (17% above average)
Projected home insurance cost increase in 2025: 8%
Projected annual cost home insurance by the end of 2025: $5,198
6. North Carolina
Major hurricane probability: 9% (13% above average)
Named storm probability: 76% (12% above average)
Projected home insurance cost increase in 2025: 6%
Projected annual cost home insurance by the end of 2025: $3,432
5. Alabama
Major hurricane probability: 10% (25% above average)
Named storm probability: 67% (16% above average)
Projected home insurance cost increase in 2025: 7%
Projected annual cost home insurance by the end of 2025: $5,831
4. South Carolina
Major hurricane probability: 10% (25% above average)
Named storm probability: 66% (16% above average)
Projected home insurance cost increase in 2025: 4%
Projected annual cost home insurance by the end of 2025: $4,172
3. Louisiana
Major hurricane probability: 18% (29% above average)
Named storm probability: 74% (12% above average)
Projected home insurance cost increase in 2025: 27%
Projected annual cost home insurance by the end of 2025: $13,937
2. Texas
Major hurricane probability: 19% (19% above average)
Named storm probability: 70% (15% above average)
Projected home insurance cost increase in 2025: 9%
Projected annual cost home insurance by the end of 2025: $6,522
1. Florida
Major hurricane probability: 35% (21% above average)
Named storm probability: 92% (7% above average)
Projected home insurance cost increase in 2025: 9%
Projected annual cost home insurance by the end of 2025: $15,460
More From GOBankingRates
I’m a Realtor: This Is Why No One Wants To See Your Home
3 Things Retirees Should Stop Buying To Save Money Amid Tariffs
How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too
7 Wealth-Building Shortcuts Proven To Add $1K to Your Wallet This Month
This article originally appeared on GOBankingRates.com: 10 Hurricane-Prone States With Rising Home Insurance Costs in 2025
