Insurance anxiety among consumers has increased over the last year. (Credit: HockleyMedia24/peopleimages/Adobe Stock)
Nearly three in four people (74%) are extremely or moderately concerned about severe weather and its impact on their insurance coverage, according to a new survey from Insurity.
The 2025 Severe Weather P&C Consumer Pulse Survey found that more than half (55%) have seen their premiums increase due to severe weather events, and 32% have had difficulty getting coverage due to their location. About one-third of survey participants (34%) said they’ve bought new types of coverage, like flood or hurricane insurance, because of severe weather.
Those numbers are up from 2024. Last year, just 25% of people reported difficulty obtaining coverage, and only 27% had purchased additional coverage.
“These findings affirm that consumer anxiety regarding severe weather is both enduring and significant,” said Sylvester Mathis, chief revenue and insurance officer at Insurity, in a statement. “Despite increased awareness, many policyholders still face challenges with the affordability and availability of coverage. It’s more important than ever for insurers to offer products, pricing and policies that build confidence and trust value.”
More than half of policyholders (51%) said they value carriers with fast response times and quick payouts the most. Clear communication is the second most important factor for consumers, with 22% saying it’s the most important factor, but it’s far behind speed.
Technology is also important to policyholders. Half of respondents (50%) said they are more likely to buy from insurers who invest in new technologies that help with severe weather claims. Features like live support and digital self-service tools are less of a draw for consumers.
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