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Millions of homes in the U.S. are uninsured. NPR wants to hear your story
TL;DR
Millions of U.S. homeowners are uninsured, risking financial devastation amid increasing extreme weather events. Rising insurance costs are a primary reason for this trend.
Key points
- Millions of U.S. homeowners lack insurance
- Soaring insurance costs are a key factor
- Extreme weather increases financial risks for uninsured homeowners
This aerial view shows residential lots cleared after homes were destroyed in the January 2025 Eaton Fire beside homes that are still standing in Altadena, Calif. ROBYN BECK/AFP via Getty Images/AFP
ROBYN BECK/AFP via Getty Images/AFP
Even as homeowners face more extreme weather like recent wildfires, floods and tornadoes, millions of them are foregoing home insurance, often due to soaring costs.
When homeowners lack adequate coverage, families and entire communities are exposed to profound financial risks as disasters strike.
NPR wants to hear about your experiences with home insurance companies, as well as the decisions you're making about coverage as premiums rise.
Climate Risk Hits Home
It's harder to get home insurance. That's changing communities across the U.S.
Q&A
Why are millions of homes in the U.S. uninsured?
Many homeowners are foregoing insurance due to soaring costs, leaving them vulnerable to financial risks from disasters.
What are the consequences of not having home insurance during disasters?
Lacking adequate coverage exposes families and communities to significant financial risks when disasters like wildfires and floods occur.
How does extreme weather impact home insurance rates in the U.S.?
Increasing extreme weather events, such as wildfires and floods, contribute to rising home insurance costs, prompting some homeowners to forgo coverage.
