Kansas has some of the highest home insurance costs in the US. Here’s why

From 2020 to 2025, home insurance rates in the state of Kansas increased 42.6%, according to LendingTree researchers.

Nationally, researchers said home insurance rates rose 46.8% cumulatively, with significant jumps in 2023 and 2024, as the U.S. saw rising repair costs along with an increase in severe storms.

“In 2024, there were 27 individual weather and climate disasters with at least $1 billion in damages, trailing only the record-setting 28 events analyzed in 2023,” according to the National Oceanic and Atmospheric Administration’s National Centers for Environmental Information.

And while 27 other states had higher cumulative increases than Kansas during the same time period, researchers found that the Sunflower State has the fourth-highest average annual home insurance costs nationwide.

Average home insurance premiums

Kansas homeowners pay an average home insurance premium of $4,095 — 71% higher than the national average of $2,395, according to LendingTree’s 2026 State of Home Insurance report released June 8.

To find the average premiums, researchers say they analyzed home insurance data pulled in February using the following coverages and deductibles:

• $350,000 dwelling coverage
• $100,000 personal liability
• $1,000 medical payments
• $1,000 deductible

The study found that states in the central U.S. have some of the highest homeowners’ insurance costs, including Oklahoma, Nebraska and Colorado.

“Homeowners in states with elevated weather risks often face higher insurance costs because insurers must account for the increased likelihood of costly claims,” LendingTree home insurance expert Lindsay Bishop said in an emailed statement. “Over time, those risks can make coverage significantly more expensive than the national average.”

States with highest home insurance costs

These are the top 10 states with the highest home insurance costs along with their average annual premiums, according to the report.

1. Oklahoma — $5,298
2. Nebraska — $4,956
3. Colorado — $4,310
4. Kansas — $4,095
5. Texas — $3,969
6. Arkansas — $3,538
7. Tennessee — $3,408
8. South Dakota — $3,258
9. Alabama — $3,254
10. Kentucky — $3,158

Bishop said it’s likely high-risk states will continue to see annual increases, but not as big of jumps as in recent years.

“This is partly because insurance companies are finally catching up to rising claim costs,” she said in the report. “ ... but unless there’s a busy hurricane season or large wildfire outbreak, the extreme jumps we saw in 2023 and 2024 are less likely.”