Oklahoma, Nebraska, Kansas, and Arkansas are the four most expensive states for Americans buying homeowners insurance.
What makes these states more expensive?
Midwestern and Plains states have seen increased severe thunderstorm and hail activity in recent years, bringing with it greater risk levels for insurance providers and higher prices for policy owners.
4) Arkansas - Arkansan homeowners face strong wind and hail threats each spring and summer. The state of Arkansas does offer some options for home insurance price breaks on new-construction homes, but those are of no help to established homeowners who may lack the means to move into a new home in the current economy.
3) Kansas - Kansas is famous for its numerous tornadoes, but the state also suffers from hail and straight-line windstorms such as derechos with some frequency. This combination of other threats, along with a spot squarely in Tornado Alley, means that Kansans are always likely to see inflated home hail insurance prices.
2) Nebraska - Many Americans may not realize it, but Nebraska and the surrounding Midwestern states absorb far more than their share of the inland storm activity that crosses the U.S. through the spring and summer months. These storms keep home insurance premiums high in Nebraska.
1) Oklahoma - Oklahoma is perhaps the most notorious state for spring and summer convective storm activity. The historical frequency of powerful tornadoes and fierce hailstorms brings even higher rates for homeowners insurance and the hail coverage that is sold as a part of those policies.
What can homeowners do to pay less for home hail insurance?
The premium costs for home hail insurance are included in the overall premium that homeowners pay monthly or annually to maintain their coverage. One opportunity for savings is for policy holders to negotiate for a lower premium in exchange for taking on a higher wind and hail deductible. The increased deductible could in turn be covered with a supplemental deductible relief policy that pays out independent of the home policy.
Even with the addition of a second smaller premium for the supplemental policy, the homeowner can often end up paying a lower overall insurance bill each month.
Learn more about Sola’s Wind and Hail add-on insurance policy and which homeowner expenses it can help cover, and get a free quote to see how much you can save.
Sources:
Green, Rachael. “These 10 States Have the Most Expensive Home Insurance in 2026”, Kiplinger Insurance Blog, Aug. 07, 2026, https://www.kiplinger.com/personal-finance/insurance/eight-states-with-the-most-expensive-home-insurance
Gray is the Senior Content Specialist at Sola Insurance, working with the Sales and Marketing teams to provide helpful, valuable content for homeowners and agents. Gray has worked previously in finance, logistics, and advertising.
