2026 LexisNexis U.S. Home Insurance Trends Report: Claims Severity Reaches All-Time High While Frequency Declines
New report underscores how climate events, inflation and geographic volatility are reshaping home insurance loss trends
ATLANTA, July 22, 2026 /PRNewswire/ -- LexisNexis® Risk Solutions today released the 2026 LexisNexis U.S. Home Trends Report, providing an updated analysis of by-peril claims trends in the U.S. home insurance industry to help carriers make more informed, strategic decisions. Examining loss cost, claims frequency and severity, the report also offers insights into seasonality shifts, catastrophic claims and geographic patterns, including trends by U.S. state.
Key Takeaways from the 2026 LexisNexis U.S. Home Trends Report
"U.S. home insurers continue to face increasing pressure and uncertainty as they contend with a 'perfect storm' of rising severity, rising inflation-driven replacement costs and a reshaping of loss patterns in the face of shifting climate-driven catastrophes," said George Hosfield, vice president and general manager, home insurance, LexisNexis Risk Solutions. "The data reinforces the need for insurers to turn to multi-source datasets and analytics to help assess risk more accurately, benchmark performance and adapt to these volatile market conditions."
All Peril Trends
Fire and Lightning Perils
Wind and Hail Perils
Non-Weather-Related Perils
"Broader loss trends are important, but they are only the starting point," continued Hosfield. "The real opportunity for carriers is using those trends to help better understand what to look for at the individual-property level. If wildfire risk is expanding into new areas, carriers having insight into the fortification and condition of specific homes can help support more informed assessment decisions. If a state is seeing distinct water-loss patterns, understanding the interior risk characteristics of the properties they insure can be key. By connecting national, state and peril-level trends with more granular property intelligence, carriers can make more informed underwriting, pricing and portfolio decisions."
Download the full 2026 LexisNexis U.S. Home Trends Report.
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About LexisNexis Risk Solutions
LexisNexis® Risk Solutions leverages the power of data, advanced analytics platforms and integrated AI solutions to provide insights that help businesses across multiple industries and governmental entities reduce risk and improve decisions to benefit people around the globe. Headquartered in metro Atlanta, Georgia, we have offices throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for professional and business customers. For more information, please visit LexisNexis Risk Solutions and RELX.
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LexisNexis Risk Solutions
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4 "Social Inflation," National Association of Insurance Commissioners (NAIC), https://content.naic.org/insurance-topics/social-inflation
SOURCE LexisNexis Risk Solutions