Home Insurance Calculator
Because of worsening extreme weather, 95% of Americans have seen their insurance premiums increase. Find out how much the changing climate could cost you.
How it works
This calculator pulls climate hazard data from FEMA’s National Risk Index for your zip code and dynamically weights each risk based on what matters most where you live; a coastal zip weighs storm and flood exposure differently than one in the desert Southwest. Combined with your property details, it projects what rising climate risk could add to your insurance over the next five years.
How does the calculator work?
We combine four climate hazard scores for your zip code — flood, wind, wildfire, and heat — into a single Climate Risk Score. That score drives a 5-year projection of your insurance premium.
Where does the data come from?
Hazard scores come from FEMA’s National Risk Index. Climate trends come from NOAA/Weather.gov. State insurance averages are used to estimate your baseline premium if you skip that step.
Why these four hazards?
Flood, wind, wildfire, and heat are the climate risks most directly driving insurance costs up across the country. FEMA tracks more, but these four have the strongest link to what you pay.
Are all zip codes weighted the same?
No. Each zip weights the four hazards based on what actually matters there. A coastal Florida zip leans heavy on flood and wind. A desert Arizona zip leans heavy on heat. Same four hazards, different mix.
What do the scenarios mean?
We show low, mid, and high projections. The range reflects uncertainty in how fast insurers reprice risk. The mid scenario is our best estimate.
How accurate is this?
This is an estimate, not a quote. It’s based on public federal data and general insurance trends — not your specific policy. Your actual premium depends on your insurer, coverage, claims history, and other factors.