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Regulation

Home Insurance, Weather-Related Auto Costs Top Property Taxes in 75% of U.S. Counties

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Homeowners insurance alone costs more than property taxes in roughly two-thirds of U.S. counties, and adding weather-related auto coverage raises the share to 75%, increasing pressure on household budgets. County-average homeowners insurance premiums rose 45% over the past decade after inflation. Nebraska recorded a 79% increase. Across counties, property insurance averages 14% more than property taxes. Including the weather-related portion of auto premiums raises the combined insurance burden to 30% above property-tax bills. The broader comparison counts only auto premiums tied to weather, not full auto coverage. The figures compare county averages, so they do not describe every household’s individual costs. Typical hidden costs of homeownership totaled $16,566, up 31.7% over five years. Insurance premiums had the largest increase among those costs.

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