Insurity’s 2025 Severe Weather P&C Consumer Pulse Survey indicates a continued rise in consumer concern regarding severe weather and its financial impact on insurance, with a growing number of policyholders reporting higher premiums and difficulty securing coverage.
The survey findings reveal that 74% of respondents are either extremely or moderately concerned about severe weather affecting their insurance coverage in the next five years. More than half, 55%, reported that their premiums have already increased due to severe weather events, and 32% have faced challenges obtaining coverage because of their location. Additionally, 34% of consumers have purchased new types of coverage, such as flood or hurricane insurance, in direct response to recent severe weather events.
Comparing this year’s results to Insurity’s 2024 survey, the data shows an upward trend in consumer anxiety and action. Concern has increased from 71% in 2024 to 74% in 2025, while reports of difficulty obtaining coverage rose from 25% to 32% over the same period. The percentage of respondents attributing premium increases to severe weather dipped slightly from 56% last year to 55% this year. The share of consumers purchasing additional coverage has also grown, from 27% in 2024 to 34% in 2025.
Sylvester Mathis, Chief Revenue and Insurance Officer at Insurity, stated, “These findings affirm that consumer anxiety regarding severe weather is both enduring and significant. 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.”
The survey was conducted in August 2025, involving over 1,000 adult participants randomly selected across the United States. Participants answered nine questions designed to gauge their opinions on severe weather and its impact on their property and casualty (P&C) insurance coverage.
Insurity, a provider of cloud-based software for insurance carriers, brokers, and MGAs, supports 22 of the top 25 P&C carriers and 7 of the top 10 MGAs in the U.
S. with over 400 cloud-based deployments.
