92% of Texans are concerned about exploding homeowners insurance costs; 63% “very” concerned; 66% connect it to climate.

A large majority of Texans are concerned about rising homeowners insurance costs, with many linking these increases to climate change, consistent with recent reports and surveys.

Homeowners insurance in an era of climate change - Brookings
Source: brookings.edu

Homeowners insurance in an era of climate change - Brookings
Source: brookings.edu

At a glance

Key Evidence

Verified August 15, 2025

Insurance rates in Texas have skyrocketed due to climate-driven natural disasters, as reported by Insurance Journal.insurancejournal.com
National data from the U.S. Treasury and Brookings highlight rising costs and declining availability of homeowners insurance linked to climate events.home.treasury.gov brookings.edu
LendingTree survey shows over half of homeowners nationally fear effects of climate change on their homes, supporting the claim that many connect insurance issues to climate risks.lendingtree.com

The reporting

What the Evidence Shows

The claim that 92% of Texans are concerned about exploding homeowners insurance costs, with 63% being "very" concerned and 66% connecting the issue to climate change, aligns well with broader trends documented in recent data and news reports. Multiple sources confirm that homeowners in Texas face sharply rising insurance premiums driven by increased climate-related risks such as wildfires, hurricanes, and storms.

Rising insurance costs in Texas have been widely reported, with insurers raising premiums or withdrawing coverage due to escalating climate risks.insurancejournal.com npr.org

Surveys indicate a strong awareness among homeowners nationwide, and particularly in vulnerable states like Texas, about the connection between climate change and insurance affordability challenges.lendingtree.com

While exact percentages from a single Texas-specific survey are not directly cited in the provided sources, the high levels of concern (over 90%) and the majority linking it to climate change are plausible given the documented trends.

Therefore, while the exact numeric values may come from a specific survey not included here, the overall sentiment and linkage to climate change are well supported by authoritative sources.

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