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There are some static elements that factor into an individual homeowner's annual insurance premiums such as their property's replacement cost, age, construction type and quality, size and the number of people who live there.

But there also are a myriad of locational factors that can cause home insurance premiums to swell, and they aren't necessarily headline-grabbing weather events.

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Elana Ashanti Jefferson

Elana Ashanti Jefferson serves as ALM's PropertyCasualty360 Group Chief Editor. She is a veteran journalist and communications professional. Reach her by sending an e-mail to [email protected].