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CLIMATE CHANGE
affects your home's value
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  • Regional climate changes in the U.S. are impacting – and will continue to impact – your homeowner insurance premiums
  • Based on current climate trends, your rates will increase by 1% for every 1/4 degree Fahrenheit increase
  • Each 1/4 degree rise in Fahrenheit leads to a national $18.7 billion loss of housing value, or $250 per house

4.8°

Alabama

YearTemperatureIncrease
200962.8°F
201062.7°F-0.1°
201163.8°F1.1°
201267.6°F3.8°
Projected Increase by 2090:
+4.5° to 9°F

3.8°

Arizona

YearTemperatureIncrease
200961.3°F
201060.8°F-0.5°
201160.4°F-0.4°
201265.1°F4.7°
Projected Increase by 2090:
+3° to 10°F

6.7°

Arkansas

YearTemperatureIncrease
200959.7°F
201061.1°F1.4°
201161.8°F0.7°
201266.4°F4.6°
Projected Increase by 2090:
+4.5° to 9°F

3.0°

California

YearTemperatureIncrease
200960.1°F
201059.5°F-0.6°
201159.1°F-0.4°
201263.1°F
Projected Increase by 2090:
+3° to 10°F

6.2°

Colorado

YearTemperatureIncrease
200945.5°F
201046.4°F0.9°
201145.6°F-0.8°
201251.7°F6.1°
Projected Increase by 2090:
+3° to 10°F

6.8°

Connecticut

YearTemperatureIncrease
200948.4°F
201051.1°F2.7°
201150.8°F-0.3°
201255.2°F4.4°
Projected Increase by 2090:
+6° to 12°F

6.3°

Delaware

YearTemperatureIncrease
200955.3°F
201056.9°F1.6°
201158.1°F1.2°
201261.6°F3.5°
Projected Increase by 2090:
+4.5° to 9°F

2.7°

Florida

YearTemperatureIncrease
200971.1°F
201069.1°F-2°
201171.6°F2.5°
201273.8°F2.2°
Projected Increase by 2090:
+4.5° to 9°F

4.7°

Georgia

YearTemperatureIncrease
200963.3°F
201062.7°F-0.6°
201164.6°F1.9°
201268°F3.4°
Projected Increase by 2090:
+4.5° to 9°F

5.1°

Idaho

YearTemperatureIncrease
200944.2°F
201045.1°F0.9°
201143.7°F-1.4°
201249.3°F5.6°
Projected Increase by 2090:
+3° to 10°F

7.6°

Illinois

YearTemperatureIncrease
200951.2°F
201052.8°F1.6°
201153°F0.2°
201258.8°F5.8°
Projected Increase by 2090:
+5° to 10°F

7.0°

Indiana

YearTemperatureIncrease
200951.2°F
201052.5°F1.3°
201153.1°F0.6°
201258.2°F5.1°
Projected Increase by 2090:
+5° to 10°F

8.9°

Iowa

YearTemperatureIncrease
200946.6°F
201048.1°F1.5°
201148.3°F0.2°
201255.5°F7.2°
Projected Increase by 2090:
+5° to 10°F

8.1°

Kansas

YearTemperatureIncrease
200953.3°F
201054.9°F1.6°
201155°F0.1°
201261.4°F6.4°
Projected Increase by 2090:
+5° to 10°F

6.0°

Kentucky

YearTemperatureIncrease
200955.1°F
201055.8°F0.7°
201156.7°F0.9°
201261.1°F4.4°
Projected Increase by 2090:
+4.5° to 9°F

4.1°

Louisiana

YearTemperatureIncrease
200967°F
201066.4°F-0.6°
201167.9°F1.5°
201271.1°F3.2°
Projected Increase by 2090:
+4.5° to 9°F

6.3°

Maine

YearTemperatureIncrease
200940.8°F
201044.9°F4.1°
201143.1°F-1.8°
201247.1°F
Projected Increase by 2090:
+6° to 12°F

6.0°

Maryland

YearTemperatureIncrease
200954°F
201055.6°F1.6°
201156.2°F0.6°
201260°F3.8°
Projected Increase by 2090:
+4.5° to 9°F

6.5°

Massachusetts

YearTemperatureIncrease
200947.4°F
201050.1°F2.7°
201149.3°F-0.8°
201253.9°F4.6°
Projected Increase by 2090:
+6° to 12°F

7.5°

Michigan

YearTemperatureIncrease
200943.7°F
201047°F3.3°
201145.5°F-1.5°
201251.2°F5.7°
Projected Increase by 2090:
+5° to 10°F

9.2°

Minnesota

YearTemperatureIncrease
200940.3°F
201043°F2.7°
201142.2°F-0.8°
201249.5°F7.3°
Projected Increase by 2090:
+5° to 10°F

4.6°

Mississippi

YearTemperatureIncrease
200963.6°F
201063.4°F-0.2°
201164.4°F
201268.2°F3.8°
Projected Increase by 2090:
+4.5° to 9°F

7.7°

Missouri

YearTemperatureIncrease
200954°F
201055.1°F1.1°
201155.6°F0.5°
201261.7°F6.1°
Projected Increase by 2090:
+5° to 10°F

7.3°

Montana

YearTemperatureIncrease
200941.6°F
201042.6°F
201142.5°F-0.1°
201248.9°F6.4°
Projected Increase by 2090:
+3° to 10°F

8.8°

Nebraska

YearTemperatureIncrease
200947.4°F
201049.2°F1.8°
201148.7°F-0.5°
201256.2°F7.5°
Projected Increase by 2090:
+5° to 10°F

5.1°

Nevada

YearTemperatureIncrease
200950.1°F
201050.1°F
201149.6°F-0.5°
201255.2°F5.6°
Projected Increase by 2090:
+3° to 10°F

7.1°

New Hampshire

YearTemperatureIncrease
200943.1°F
201046.2°F3.1°
201145.6°F-0.6°
201250.2°F4.6°
Projected Increase by 2090:
+6° to 12°F

5.8°

New Jersey

YearTemperatureIncrease
200952.9°F
201054.9°F
201155.1°F0.2°
201258.7°F3.6°
Projected Increase by 2090:
+6° to 12°F

4.6°

New Mexico

YearTemperatureIncrease
200954.2°F
201054.5°F0.3°
201154.7°F0.2°
201258.8°F4.1°
Projected Increase by 2090:
+3° to 10°F

6.7°

New York

YearTemperatureIncrease
200945.3°F
201047.7°F2.4°
201147.4°F-0.3°
201252°F4.6°
Projected Increase by 2090:
+6° to 12°F

4.5°

North Carolina

YearTemperatureIncrease
200959°F
201059.1°F0.1°
201160.5°F1.4°
201263.5°F
Projected Increase by 2090:
+4.5° to 9°F

10.3°

North Dakota

YearTemperatureIncrease
200938.3°F
201040.8°F2.5°
201140.6°F-0.2°
201248.6°F
Projected Increase by 2090:
+5° to 10°F

6.5°

Ohio

YearTemperatureIncrease
200950.6°F
201051.8°F1.2°
201152.5°F0.7°
201257.1°F4.6°
Projected Increase by 2090:
+5° to 10°F

7.0°

Oklahoma

YearTemperatureIncrease
200959.2°F
201060.2°F
201161.7°F1.5°
201266.2°F4.5°
Projected Increase by 2090:
+4.5° to 9°F

3.2°

Oregon

YearTemperatureIncrease
200948.3°F
201048.8°F0.5°
201147.7°F-1.1°
201251.5°F3.8°
Projected Increase by 2090:
+3° to 10°F

6.5°

Pennsylvania

YearTemperatureIncrease
200948.3°F
201049.9°F1.6°
201150.3°F0.4°
201254.8°F4.5°
Projected Increase by 2090:
+6° to 12°F

5.8°

Rhode Island

YearTemperatureIncrease
200949.8°F
201052.2°F2.4°
201151.7°F-0.5°
201255.6°F3.9°
Projected Increase by 2090:
+6° to 12°F

4.6°

South Carolina

YearTemperatureIncrease
200962.4°F
201062.2°F-0.2°
201163.9°F1.7°
201267°F3.1°
Projected Increase by 2090:
+4.5° to 9°F

10.1°

South Dakota

YearTemperatureIncrease
200943.4°F
201045.3°F1.9°
201144.7°F-0.6°
201253.5°F8.8°
Projected Increase by 2090:
+5° to 10°F

5.6°

Tennessee

YearTemperatureIncrease
200957.4°F
201057.7°F0.3°
201158.7°F
201263°F4.3°
Projected Increase by 2090:
+4.5° to 9°F

4.4°

Texas

YearTemperatureIncrease
200965.6°F
201064.8°F-0.8°
201167.2°F2.4°
201270°F2.8°
Projected Increase by 2090:
+4.5° to 9°F

6.2°

Utah

YearTemperatureIncrease
200948.8°F
201049.1°F0.3°
201148.3°F-0.8°
201255°F6.7°
Projected Increase by 2090:
+3° to 10°F

7.0°

Vermont

YearTemperatureIncrease
200942.5°F
201045.3°F2.8°
201144.6°F-0.7°
201249.5°F4.9°
Projected Increase by 2090:
+6° to 12°F

5.4°

Virginia

YearTemperatureIncrease
200955°F
201055.9°F0.9°
201157°F1.1°
201260.4°F3.4°
Projected Increase by 2090:
+4.5° to 9°F

2.9°

Washington

YearTemperatureIncrease
200948°F
201049.1°F1.1°
201147.1°F-2°
201250.9°F3.8°
Projected Increase by 2090:
+3° to 10°F

5.4°

West Virginia

YearTemperatureIncrease
200951.6°F
201051.7°F0.1°
201153.3°F1.6°
201257°F3.7°
Projected Increase by 2090:
+4.5° to 9°F

8.5°

Wisconsin

YearTemperatureIncrease
200942.3°F
201045.5°F3.2°
201144.1°F-1.4°
201250.8°F6.7°
Projected Increase by 2090:
+5° to 10°F

7.2°

Wyoming

YearTemperatureIncrease
200941.8°F
201042.7°F0.9°
201141.8°F-0.9°
201249°F7.2°
Projected Increase by 2090:
+3° to 10°F

$56

Alabama

YearPremiumIncrease
2009$987-
2012$1043$56
% Change from 2009 to 2012:
5.7%

-$25

Arizona

YearPremiumIncrease
2009$642-
2012$617-$25
% Change from 2009 to 2012:
-3.9%

$258

Arkansas

YearPremiumIncrease
2009$919-
2012$1177$258
% Change from 2009 to 2012:
28.1%

-$119

California

YearPremiumIncrease
2009$922-
2012$803-$119
% Change from 2009 to 2012:
-12.9%

$8

Colorado

YearPremiumIncrease
2009$893-
2012$901$8
% Change from 2009 to 2012:
0.9%

-$129

Connecticut

YearPremiumIncrease
2009$1016-
2012$887-$129
% Change from 2009 to 2012:
-12.7%

$67

Delaware

YearPremiumIncrease
2009$610-
2012$677$67
% Change from 2009 to 2012:
11%

-$359

Florida

YearPremiumIncrease
2009$1460-
2012$1101-$359
% Change from 2009 to 2012:
-24.6%

$130

Georgia

YearPremiumIncrease
2009$787-
2012$917$130
% Change from 2009 to 2012:
16.5%

$30

Idaho

YearPremiumIncrease
2009$485-
2012$515$30
% Change from 2009 to 2012:
6.2%

$32

Illinois

YearPremiumIncrease
2009$789-
2012$821$32
% Change from 2009 to 2012:
4.1%

$146

Indiana

YearPremiumIncrease
2009$717-
2012$863$146
% Change from 2009 to 2012:
20.4%

$48

Iowa

YearPremiumIncrease
2009$645-
2012$693$48
% Change from 2009 to 2012:
7.4%

$196

Kansas

YearPremiumIncrease
2009$991-
2012$1187$196
% Change from 2009 to 2012:
19.8%

$320

Kentucky

YearPremiumIncrease
2009$711-
2012$1031$320
% Change from 2009 to 2012:
45%

$156

Louisiana

YearPremiumIncrease
2009$1430-
2012$1586$156
% Change from 2009 to 2012:
10.9%

-$79

Maine

YearPremiumIncrease
2009$651-
2012$572-$79
% Change from 2009 to 2012:
-12.1%

-$88

Maryland

YearPremiumIncrease
2009$779-
2012$691-$88
% Change from 2009 to 2012:
-11.3%

-$9

Massachusetts

YearPremiumIncrease
2009$1035-
2012$1026-$9
% Change from 2009 to 2012:
-0.9%

-$98

Michigan

YearPremiumIncrease
2009$740-
2012$642-$98
% Change from 2009 to 2012:
-13.2%

$93

Minnesota

YearPremiumIncrease
2009$919-
2012$1012$93
% Change from 2009 to 2012:
10.1%

$153

Mississippi

YearPremiumIncrease
2009$1185-
2012$1338$153
% Change from 2009 to 2012:
12.9%

$195

Missouri

YearPremiumIncrease
2009$881-
2012$1076$195
% Change from 2009 to 2012:
22.1%

-$17

Montana

YearPremiumIncrease
2009$751-
2012$734-$17
% Change from 2009 to 2012:
-2.3%

$173

Nebraska

YearPremiumIncrease
2009$849-
2012$1022$173
% Change from 2009 to 2012:
20.4%

-$93

Nevada

YearPremiumIncrease
2009$703-
2012$610-$93
% Change from 2009 to 2012:
-13.2%

-$114

New Hampshire

YearPremiumIncrease
2009$757-
2012$643-$114
% Change from 2009 to 2012:
-15.1%

-$307

New Jersey

YearPremiumIncrease
2009$848-
2012$541-$307
% Change from 2009 to 2012:
-36.2%

-$57

New Mexico

YearPremiumIncrease
2009$751-
2012$694-$57
% Change from 2009 to 2012:
-7.6%

-$335

New York

YearPremiumIncrease
2009$1021-
2012$686-$335
% Change from 2009 to 2012:
-32.8%

-$71

North Carolina

YearPremiumIncrease
2009$725-
2012$654-$71
% Change from 2009 to 2012:
-9.8%

-$45

North Dakota

YearPremiumIncrease
2009$853-
2012$808-$45
% Change from 2009 to 2012:
-5.3%

$51

Ohio

YearPremiumIncrease
2009$613-
2012$664$51
% Change from 2009 to 2012:
8.3%

$607

Oklahoma

YearPremiumIncrease
2009$1123-
2012$1730$607
% Change from 2009 to 2012:
54.1%

-$36

Oregon

YearPremiumIncrease
2009$544-
2012$508-$36
% Change from 2009 to 2012:
-6.6%

$25

Pennsylvania

YearPremiumIncrease
2009$694-
2012$719$25
% Change from 2009 to 2012:
3.6%

-$172

Rhode Island

YearPremiumIncrease
2009$1069-
2012$897-$172
% Change from 2009 to 2012:
-16.1%

-$212

South Carolina

YearPremiumIncrease
2009$970-
2012$758-$212
% Change from 2009 to 2012:
-21.9%

$346

South Dakota

YearPremiumIncrease
2009$645-
2012$991$346
% Change from 2009 to 2012:
53.6%

$212

Tennessee

YearPremiumIncrease
2009$794-
2012$1006$212
% Change from 2009 to 2012:
26.7%

-$393

Texas

YearPremiumIncrease
2009$1511-
2012$1118-$393
% Change from 2009 to 2012:
-26%

-$14

Utah

YearPremiumIncrease
2009$544-
2012$530-$14
% Change from 2009 to 2012:
-2.6%

-$77

Vermont

YearPremiumIncrease
2009$717-
2012$640-$77
% Change from 2009 to 2012:
-10.7%

-$131

Virginia

YearPremiumIncrease
2009$734-
2012$603-$131
% Change from 2009 to 2012:
-17.8%

$71

Washington

YearPremiumIncrease
2009$552-
2012$623$71
% Change from 2009 to 2012:
12.9%

$185

West Virginia

YearPremiumIncrease
2009$671-
2012$856$185
% Change from 2009 to 2012:
27.6%

$165

Wisconsin

YearPremiumIncrease
2009$542-
2012$707$165
% Change from 2009 to 2012:
30.4%

$96

Wyoming

YearPremiumIncrease
2009$727-
2012$823$96
% Change from 2009 to 2012:
13.2%

Alabama

2012in mil
Expected Housing Value$288,255
Actual Housing Value$287,673
Effect of Climate Change on Value
-$581,754,000

Arizona

2012in mil
Expected Housing Value$478,591
Actual Housing Value$479,163
Effect of Climate Change on Value
$57,1862,000

Arkansas

2012in mil
Expected Housing Value$161,997
Actual Housing Value$160,333
Effect of Climate Change on Value
-$1,664,366,000

California

2012in mil
Expected Housing Value$4,833,004
Actual Housing Value$4,842,030
Effect of Climate Change on Value
$9,025,612,000

Colorado

2012in mil
Expected Housing Value$698,115
Actual Housing Value$695,924
Effect of Climate Change on Value
-$2,190,827,000

Connecticut

2012in mil
Expected Housing Value$521,532
Actual Housing Value$519,174
Effect of Climate Change on Value
-$2,357,670,000

Delaware

2012in mil
Expected Housing Value$79,813
Actual Housing Value$79,516
Effect of Climate Change on Value
-$297,083,000

Florida

2012in mil
Expected Housing Value$1,971,585
Actual Housing Value$1,983,665
Effect of Climate Change on Value
$12,080,131,000

Georgia

2012in mil
Expected Housing Value$612,137
Actual Housing Value$611,489
Effect of Climate Change on Value
-$648,324,000

Idaho

2012in mil
Expected Housing Value$131,124
Actual Housing Value$130,975
Effect of Climate Change on Value
-$149,168,000

Illinois

2012in mil
Expected Housing Value$867,626
Actual Housing Value$859,012
Effect of Climate Change on Value
-$8,614,401,000

Indiana

2012in mil
Expected Housing Value$309,727
Actual Housing Value$306,286
Effect of Climate Change on Value
-$3,440,704,000

Iowa

2012in mil
Expected Housing Value$156,402
Actual Housing Value$153,706
Effect of Climate Change on Value
-$2,696,476,000

Kansas

2012in mil
Expected Housing Value$133,370
Actual Housing Value$130,478
Effect of Climate Change on Value
-$2,891,717,000

Kentucky

2012in mil
Expected Housing Value$238,808
Actual Housing Value$237,395
Effect of Climate Change on Value
-$1,412,609,000

Louisiana

2012in mil
Expected Housing Value$249,579
Actual Housing Value$250,023
Effect of Climate Change on Value
$444,224,000

Maine

2012in mil
Expected Housing Value$117,078
Actual Housing Value$116,557
Effect of Climate Change on Value
-$520,963,000

Maryland

2012in mil
Expected Housing Value$578,825
Actual Housing Value$576,914
Effect of Climate Change on Value
-$1,911,017,000

Massachusetts

2012in mil
Expected Housing Value$856,640
Actual Housing Value$852,974
Effect of Climate Change on Value
-$3,666,121,000

Michigan

2012in mil
Expected Housing Value$551,601
Actual Housing Value$544,834
Effect of Climate Change on Value
-$6,767,485,000

Minnesota

2012in mil
Expected Housing Value$400,656
Actual Housing Value$393,535
Effect of Climate Change on Value
-$7,121,369,000

Mississippi

2012in mil
Expected Housing Value$156,342
Actual Housing Value$156,117
Effect of Climate Change on Value
-$225,446,000

Missouri

2012in mil
Expected Housing Value$325,711
Actual Housing Value$320,758
Effect of Climate Change on Value
-$4,953,276,000

Montana

2012in mil
Expected Housing Value$132,087
Actual Housing Value$131,489
Effect of Climate Change on Value
-$597,984,000

Nebraska

2012in mil
Expected Housing Value$91,879
Actual Housing Value$90,002
Effect of Climate Change on Value
-$1,876,927,000

Nevada

2012in mil
Expected Housing Value$227,644
Actual Housing Value$227,334
Effect of Climate Change on Value
-$309,964,000

New Hampshire

2012in mil
Expected Housing Value$115,128
Actual Housing Value$114,335
Effect of Climate Change on Value
-$792,942,000

New Jersey

2012in mil
Expected Housing Value$894,342
Actual Housing Value$891,687
Effect of Climate Change on Value
-$2,654,664,000

New Mexico

2012in mil
Expected Housing Value$166,349
Actual Housing Value$166,252
Effect of Climate Change on Value
-$96,691,000

New York

2012in mil
Expected Housing Value$2,842,082
Actual Housing Value$2,832,239
Effect of Climate Change on Value
-$9,842,759,000

North Carolina

2012in mil
Expected Housing Value$675,219
Actual Housing Value$674,960
Effect of Climate Change on Value
-$259,036,000

North Dakota

2012in mil
Expected Housing Value$40,601
Actual Housing Value$39,630
Effect of Climate Change on Value
-$971,141,000

Ohio

2012in mil
Expected Housing Value$546,181
Actual Housing Value$541,972
Effect of Climate Change on Value
-$4,208,756,000

Oklahoma

2012in mil
Expected Housing Value$199,862
Actual Housing Value$196,894
Effect of Climate Change on Value
-$2,967,808,000

Oregon

2012in mil
Expected Housing Value$316,959
Actual Housing Value$317,575
Effect of Climate Change on Value
$615,921,000

Pennsylvania

2012in mil
Expected Housing Value$852,283
Actual Housing Value$846,919
Effect of Climate Change on Value
-$5,363,593,000

Rhode Island

2012in mil
Expected Housing Value$114,001
Actual Housing Value$113,587
Effect of Climate Change on Value
-$413,703,000

South Carolina

2012in mil
Expected Housing Value$350,146
Actual Housing Value$349,852
Effect of Climate Change on Value
-$294,395,000

South Dakota

2012in mil
Expected Housing Value$47,865
Actual Housing Value$47,036
Effect of Climate Change on Value
-$829,161,000

Tennessee

2012in mil
Expected Housing Value$406,299
Actual Housing Value$404,564
Effect of Climate Change on Value
-$1,735,287,000

Texas

2012in mil
Expected Housing Value$1,511,681
Actual Housing Value$1,511,339
Effect of Climate Change on Value
-$341,927,000

Utah

2012in mil
Expected Housing Value$248,336
Actual Housing Value$247,693
Effect of Climate Change on Value
-$643,325,000

Vermont

2012in mil
Expected Housing Value$62,756
Actual Housing Value$62,403
Effect of Climate Change on Value
-$352,943,000

Virginia

2012in mil
Expected Housing Value$708,414
Actual Housing Value$706,804
Effect of Climate Change on Value
-$1,610,213,000

Washington

2012in mil
Expected Housing Value$557,066
Actual Housing Value$558,448
Effect of Climate Change on Value
$1,381,817,000

West Virginia

2012in mil
Expected Housing Value$108,277
Actual Housing Value$107,876
Effect of Climate Change on Value
-$400,531,000

Wisconsin

2012in mil
Expected Housing Value$356,741
Actual Housing Value$353,078
Effect of Climate Change on Value
-$3,662,667,000

Wyoming

2012in mil
Expected Housing Value$74,807
Actual Housing Value$74,482
Effect of Climate Change on Value
-$324,757,000