People in the remnants of a home in London, Kentucky after it was hit by a tornado in May 2025. Home insurance costs are expected to increase this year in states that have suffered hail and tornado damage from big convective storms. ALLISON JOYCE/AFP via Getty Images/AFP hide caption

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ALLISON JOYCE/AFP via Getty Images/AFP

American homeowners have faced years of rising insurance costs, due in part to threats from climate change. But 2025 was a relatively quiet year for extreme weather disasters: wildfires and flooding devastated parts of California , Texas and Alaska , but no hurricanes made landfall in the continental U.S. So, will homeowners get a break on their insurance bills?

The answer is maybe — and only in some places.

Florida is one of those spots.…