2026 LexisNexis® U.S. Home Trends Report

In 2025, 23 weather and climate disasters struck the U.S., costing $115 billion in damages. One event, the Los Angeles wildfires, was the costliest wildfire ever recorded in the U.S., with costs estimated at more than $61 billion¹. As climate change lengthens extreme weather seasons and expands at-risk areas, homeowners and insurers face increasing exposure. To prepare, home insurance carriers should understand long-term trends by peril.

LexisNexis® Risk Solutions publishes an annual report that provides seven-year trends for loss cost, frequency and severity across eight different perils: wind, hail, fire and lightning, weather related water, non-weather related water, theft, liability and other perils. This year’s report, which is based on property exposures and losses for the period ranging from 2019 through 2025, highlights the shifting patterns of home insurance claims. Claim frequency was down for all perils except Fire and Lightning, but this decrease was offset by an increase in severity to the highest it’s been in seven years.

Download the most recent report today to see these insights and more:

• Catastrophe and non-catastrophe claims by peril
• U.S. states with the highest and lowest loss cost in previous year
• Severity, frequency and loss costs of claims by peril, by location and by month for the last seven years

Here's a sample of what you'll find inside: