These are the 10 markets with the highest home insurance cost burden in the U.S., according to Realtor.com 2025 Housing and Climate Risk Report. 26.1% of U.S. homes, worth $12.7 trillion, face severe or extreme flood, wind, or wildfire risk. This report ranks the top 100 metros to identify where the most home value is at risk, which markets have the largest share of exposure, and the biggest concerns for current and future homeowners. Learn more, read the full report & methodology: https://rltor