Will homeowners get a break on insurance in 2026?

American homeowners have faced years of rising insurance costs, due in part to threats from climate change. But 2025 was a relatively quiet year for extreme weather disasters. Wildfires and flooding devastated parts of California, Texas and Alaska, but no hurricanes made landfall.

So, will homeowners get a break on their insurance bills? The answer is maybe — and only in some places.

NPR’s Michael Copley reports.