Home insurance premiums ease as storm warnings fall – Compare the Market
Average UK premiums fell by 9% year-on-year in January 2026, from £218 to £198.
Storm warnings across the UK have dropped significantly over the past two years, while home insurance premiums have also continued to fall, according to analysis.
Research by Compare the Market, based on Met Office data obtained via a Freedom of Information (FoI) request, found that storm-related warnings declined by 61%, from 159 in 2023 to 62 in 2025.
Dual weather warnings, where multiple conditions such as heavy rain and strong winds combine to increase disruption, also fell by 32% over the same period, from 71 to 48.
Red warnings, indicating the most severe risk to life and property, dropped from five in 2023 to three in 2025.
The reduction comes as home insurance premiums continue to ease.
Compare the Market’s latest data shows average UK premiums fell by 9% year-on-year in January 2026, from £218 to £198.
Premiums for higher-risk properties have also declined, with costs for previously flooded homes falling by 12% and those located near water down by 11%.
However, these properties continue to face significantly higher costs overall, with average premiums of £437 and £210 respectively.
Sam Wilson, insurance expert at Compare the Market, said: “Falling storm warnings and home insurance premiums are positive news for homeowners, particularly at a time when many other costs are rising.
“However, it’s important to recognise that weather patterns can fluctuate year to year, and insurers typically price risk over the long term. This means households in higher-risk areas, or with a history of flooding, may still face higher costs despite the recent downward trend.
“With prices and the level of cover varying between providers, it’s a good idea for homeowners to compare deals online to ensure they’re getting the right level of protection at a competitive price.”
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