Kin Survey finds 40% of homeowners would avoid disaster-prone States areas amid risks for natural disasters

Kin Insurance announced that nearly half of U.S. homeowners would avoid buying homes in States at high risk for natural disasters. The announcement was made in the 2025 Kin Generational Homeownership Survey.

The 2025 Kin Generational Homeownership Survey highlights growing anxiety among homeowners as extreme weather events become more frequent and destructive. A national sample of 1,000 homeowners revealed that nearly half are rethinking where they live based on natural disaster risk, marking a shift in real estate priorities away from high-risk coastal and storm-prone states. The findings reflect how the combined forces of rising premiums, disaster frequency, and insurance accessibility are changing homeowner attitudes toward risk tolerance and property location.

According to the Kin survey, 52% of U.S. homeowners say they would consider moving homes or leaving their state due to increasing natural disaster risks, while 48% say they would avoid buying in disaster-prone regions altogether. The data shows that Florida (30%) and California (27%) top the list of states homeowners would avoid, largely due to hurricanes, wildfires, and flooding. Homeowners also identified tornadoes (35%), wildfires (33%), floods (33%), and hurricanes (32%) as the most concerning natural disasters shaping their housing decisions.

The survey found that 72% of homeowners believe the cost of home insurance has become unaffordable, particularly in states frequently impacted by extreme weather. Among those surveyed, 34% strongly agreed and 42% somewhat agreed that affordability has worsened. In response, homeowners reported adapting by raising deductibles (22%), switching insurers (17%), or reducing coverage (9%). These cost-control measures, Kin notes, illustrate the difficult trade-offs families face when insuring homes in areas increasingly threatened by severe weather events.

Founded in 2016 and headquartered in Chicago, Illinois, Kin Insurance is a technology-driven home insurer offering homeowners, condo, landlord, and flood coverage in multiple U.S. states. The company operates through the Kin Interinsurance Network, a reciprocal exchange that reinvests profits to lower policy costs. The company leverages data analytics and digital tools to provide affordable, transparent coverage for homeowners, particularly in high-risk areas affected by hurricanes, floods, and wildfires.