If you’re wondering, “Are home insurance rates going up?” In our deep-dive analysis, we reveal that dynamic market factors like escalating climate risks, economic inflation, and evolving reinsurance models are driving premium hikes to unprecedented levels. Over the last six years, states such as Texas have seen rates surge by nearly 60%, while Colorado isn’t far behind at 57.9%. Oklahoma’s premiums have spiked around 42%, and Missouri experienced roughly a 35% increase.