Illinois home insurance costs surge 68% as climate risks escalate

Home insurance costs in Illinois have risen sharply in recent years. The state now ranks among the highest in the US for premium increases, with climate-related risks driving the trend. Illinois homeowners currently pay an average of £2,731 per year for insurance. This figure sits 14% above the national average. Since 2020, rates in the state have climbed by 68%, placing it seventh for the largest increase nationwide.

In 2025 alone, Illinois ranks fourth for home insurance rate hikes. Insurers attribute the rises to growing climate risks and catastrophic events. This year has already recorded 161 confirmed tornadoes, surpassing the 147 reported in 2025 and 139 in 2024.

Experts now advise homeowners to reinforce their properties. Upgrades such as windproof windows and impact-resistant roofs can reduce storm damage and may lower premiums. The surge in severe storms is linked to climate change, with events becoming more frequent and intense. Higher insurance rates reflect these growing risks, pushing homeowners to consider protective measures for their properties.