×

According to a Report Minnesota’s Home Insurance Rate Rose 34% in 2025 The Highest Increase in The Nation

By Bill Dubensky Mar 20, 2026 | 5:37 AM

(Photo by John Finney/Getty Images via the Minnesota Reformer)

 

(Minnesota Reformer) – Home insurance rates in Minnesota increased 34% in 2025, the largest increase of any state, according to a report from insurance comparison website Insurify. The increase of nearly $900 has brought the state’s average annual premium to $3,530 at the end of 2025.

The upside: a better financial year for Minnesota home insurers in 2024 could mean that homeowners see a smaller rate hike in 2026. Insurify, which projected a 15% increase in 2025 that ended up being much higher, projects an optimistic 4% increase in 2026.

The national average cost of home insurance was $2,948 in 2025. Florida has the costliest home insurance at an average annual premium of $8,292, driven by economic damages from hurricanes.

The U.S. had no hurricanes in 2025, in a first since 2015. Convective storms — thunderstorms, tornadoes and hailstorms among them — overtook hurricanes as the biggest driver of global insurer losses since 2000, according to the report.

Rural North Dakota Counties in Tough Spot When Preparing For Disasters
(Adobe Stock via Prairie News Service) (By Mike Moen. Prairie News Service) - Spring storm season is here, and local officials who prepare for emergency responses after a natural disaster say it's a hard time to get plans together. That includes a ma...
Mar 19, 2026
Before East Grand Forks City Council This Week is Moving Forward With The Point Bridge Project
(File image) (KNOX) - Before the East Grand Forks City Council this week is the approval of the Point Bridge Project. East Grand Forks City Engineer Steve Emery said the project has been approved by the Minnesota Department of Transportation District...
Mar 16, 2026
Grand Forks Fire Department Responds to a Fire
(File image) (KNOX) - Monday afternoon the Grand Forks Fire Department responded South 20th Street for a structure fire. Fire crews arrived on scene to find heavy smoke and flames coming from the residence. The fire was confined to the kitchen. There...
Mar 17, 2026
Despite Rocky Path North Dakota Tribal College Finds Success
(UTTC via Prairie News Service) (By Mike Moen. Prairie News Service) - North Dakota colleges serving Native American students are experiencing ups and downs with federal support but it is not stopping their careful planning to open more educational p...
Mar 13, 2026
See More

FOLLOW US FOR INSTANT UPDATES!