Flood insurance policies from the National Flood Insurance Program cost just over $1,100 per year on average

The factors stirring up a home insurance storm

The cost of the average home insurance premium shot up 33% between 2020 and 2023 in the US, a trend mimicking heightened inflation. But beyond the cost, insurers are also pulling out of major markets like Florida and California, and millions of policies aren't being renewed as the number of $1B weather disasters continues to increase each year. Read up on the difficulties the home insurance market faces here.

Life insurance premiums can cost anywhere between $80 and $1K a month, depending on the policy

A life insurance premium is essentially the monthly cost or fee someone pays to an insurance company in exchange for a specified sum of money after their death to their beneficiaries. Factors like term length, health and lifestyle, and any added benefits can impact your premium.

Term life insurance costs about $80 per month

Permanent life insurance, on the other hand, can run you anywhere between $540 and $700 a month. However, the average monthly cost can vary depending on your age, sex, and policy type.

Homes in areas increasingly prone to natural disasters often aren't covered by private insurance

Instead, they're often covered under insurance plans of last resort, known as FAIR (Fair Access to Insurance Requirements) plans. However, as more and more homes become covered by FAIR, the program is facing strain. This interactive visual helps explain the new problems FAIR is facing.

Flood recurrence intervals are based on independent probabilities

The term "100-year flood" does not mean the event will only occur once every 100 years, but it has a 1% chance of occurring in any given year. Soil saturation, watershed size, and urban development can impact flood severity.

College sticker prices can be misleading, as most students don't actually pay the advertised price due to financial aid.

College sticker prices can be misleading, as most students don't actually pay the advertised price due to financial aid.

The total cost of weather and climate disasters from 1980 to 2024 is almost $3T

The NOAA’s Office of Coastal Management tracks the cost of damage, deaths, and other key statistics related to hurricanes and weather disasters. In 2024, there were 27 billion-dollar disasters, each averaging $1.2B more in damage than the prior five-year average.

Visualizing the multibillion dollar cost of US weather disasters

The US has sustained 332 weather and climate disasters since 1980 where overall damages/costs reached or exceeded $1B (including CPI adjustment to 2022). The total cost of these 332 events exceeds $2.275T.

The Federal Emergency Management Agency leads the US response to disasters

Established in 1979, FEMA coordinates the government's response to hurricanes, wildfires, floods, and other disasters, providing funding, logistical support, and recovery assistance. In FY 2024, the agency spent $35.1B, nearly 40% of the Department of Homeland Security's total budget.

Should you get earthquake insurance?

Standard home insurance doesn’t typically cover earthquakes. Even if you don't live in a state that's known for its earthquakes like California, it might be worth considering—although it's worth noting that only 13% of California residents have earthquake insurance. Learn more about earthquake insurance in this article.

The cost of covering family health insurance has tripled in 20 years

The Milliman Medical Index tracks the real cost of health insurance for people covered through employer-sponsored plans. In 2025, healthcare for a family of four cost an average of $35K, including employer contributions, out-of-pocket expenses, premiums, and offset wages.

A life insurance cost calculator

The overall cost of life insurance coverage ranges widely. Factors like your term length, death benefit (the money paid out after death), health and lifestyle, and any added benefits can drastically change your monthly cost. This calculator can help you determine how much your desired coverage could run you per month.

The salary needed to buy a home in the US

Anyone who has recently explored buying a home in the US knows it's not a cheap endeavor. The median salary for the typical American homebuyer has risen to roughly $104K, up from $88K two years ago. This data visualization breaks down the household income required to buy a median-priced home in 50 major US metro areas. Learn more here.

Surprising costs associated with homeownership include taxes and roof maintenance

Owning a home includes not just expected costs such as a mortgage, homeowners insurance, and landscaping, but also less-obvious expenses like property taxes, repairing and maintaining one’s roof and HVAC system, and HOA fees.

See how much it costs to build a new home in each US state, as homeowners look to new construction in a competitive real estate market—with a national average cost of over $332K for a 2,100-square-foot home.

Mortgage insurance offers help to buyers who can’t afford to put down 20% up front

Buyers who need mortgage insurance end up paying more per month on top of their loan to cover the added insurance. At its core, mortgage insurance helps buyers purchase a home they can’t afford, letting them put down 20%, while protecting lenders offering potentially risky loans.

The average cost for an in-state, public university is close to $30K per year

To cover the cost, students turn to a variety of sources. Parental contributions plus savings funds cover about half of the expenses on average, with students relying on other sources—typically federal aid, in the form of scholarships and loans—to cover the rest.

In the US, flash floods—rapid floods that occur within six hours of rain—kill more people than tornadoes, hurricanes, and lightning.

Why car insurance rates are skyrocketing

The average annual premium for auto insurance coverage in the US rose 26% in 2024, and rates are only expected to increase. The rate hikes aren't simply a result of more people getting into crashes. This video explores how a lack of trained auto mechanics, a tighter supply of used vehicles, record healthcare bills, and litigation are contributing to higher monthly insurance bills.

Permanent life insurance policies can sometimes help you cover expenses, access cash, and more

If you’re planning on purchasing permanent life insurance, your policy will come with a cash value (which acts like a savings account). To make the most of this account, you could pay your life insurance premium, apply it towards a loan, or put it towards long-term or terminal care.

The average monthly mortgage payment in the US costs 38% more than monthly rent

A recent study showed that the price gap between renting and buying grew in 38 major US metro areas since last year. The metro areas with the smallest price gaps between renting and buying include Detroit, Philadelphia, and Cleveland.

Find out ways to get lower rates on private loans, such as applying with a cosigner.

Healthcare fraud may cost the US more than $100B annually—see this dashboard tracking healthcare fraud cases nationwide.

The National Oceanographic and Atmospheric Administration estimates that US commercial and recreational fisheries valued at $200M depend on coral reefs, which provide up to $1.8B in flood protection by absorbing 97% of wave energy.

About 88% of all homebuyers feel their home is a good investment.

For every $100 you deposit, your bank puts a few cents in the FDIC insurance fund

This is a result of the 1933 Banking Act that established the Federal Deposit Insurance Fund. The law sought to prevent bank runs like those that decimated the banking industry amid the Great Crash and subsequent major depression. Today, individual depositors are insured up to $250K at each bank where they have an account.

Explore and visualize AI-driven riverine and flash-flood forecasts across more than 150 countries to anticipate these natural disasters up to seven days in advance.

The average cost of college has doubled in the 21st century

Even for students attending in-state, public universities, the cost of attending college has risen dramatically, exceeding $27K with fees and living expenses per year.

The lifetime cost of the American dream exceeds $5M

A new analysis suggests it costs millions of dollars to maintain the American dream over a lifetime. The price tag includes retirement, healthcare, higher education, homeownership, and other core elements of a comfortable life for the average American.

The American Dream costs more than $4M

The estimated cost of the American Dream—including buying a house, yearly vacations, retiring, raising two children, getting married, and more—is $4.4M, according to recent data from Investopedia. This illustrated graphic shows the estimated cost of the American dream per household over the course of their lifetime. See it here.

Why do flash floods occur?

Flash flooding can be more dangerous than traditional floods, occurring within the span of hours and exhibiting rapid currents. Here's how atmospheric conditions and geography combine to make some locations ripe for the disaster.

Certain home renovations, such as installing an in-ground pool, could increase your property taxes

Significant home improvement projects like adding another bathroom or an addition might raise your tax bill if they significantly increase the value of your home. The amount your tax bill could increase by depends on how tax assessment procedures work in the home’s location, as they vary by locality.

The lifetime costs of caring for a dog can run anywhere from $16,440 to $52,075.

See how the cost of college tuition has changed overtime

Since the middle of the 20th century, higher education has been viewed as a stepping stone to well-paying professional careers for millions of Americans. But, it can be costly. As of 2024, annual tuition currently ranges from around $10K for an in-state, four-year public university to almost $40K for private institutions.

US child care costs, mapped

It's no secret that child care in the US is expensive, but this map provides more color to that observation by showing the average annual price of child care in licensed child care centers for infants, by state, in 2023. South Dakota, for instance, had the lowest infant child care cost at $7,862 per year. See how the rest of the states fared here.

Fungal diseases cost the US around $19B annually.

Private mortgage insurance protects the lender rather than the borrower

Also known as a “PMI,” private mortgage insurance may be required for those who have a conventional loan and put less than 20% down on their home. A PMI could also be required for someone refinancing their mortgage if they have less than 20% equity remaining in the property.

Lyme disease may cost about $1B annually in the US

The economic burden of the disease in this estimate includes direct medical costs and societal costs, including productivity losses. It does not include suspected, undiagnosed, or nonacute cases, which would push that figure upward.

See the annual income required to purchase a typical three-bedroom home in each state as of 2025, based on a 10% down payment, a 6.65% interest rate on a 30-year fixed mortgage, and a 30% income-to-housing cost threshold.

Ranking the most expensive appliances on your electricity bill

Energy costs have gone up amid war and inflation. Here's a breakdown on the cheapest and most expensive appliances in your home to help you lower your bill.

The typical US household could lower its household costs by 6.4% by using coupons

The study looked at coupons for food, household items, entertainment, and clothing, as well as other expected expenses. The grocery store category offered the largest amount of savings at around $316 annually.

Wedding costs have gone up significantly since the 2020 pandemic lockdowns

In 2020, the average cost of a wedding in the US was $19K—but by 2024, it had surged to more than $33K.

Becoming an Olympic swimmer costs tens of thousands of dollars

When you see Olympic athletes win gold, it's the culmination of years of hard work and discipline. But it isn't all sweat equity. Before ever stepping foot on the world stage, these athletes have to pay or find funding for private coaching and lessons, club memberships, and meet fees, with estimates that it costs $25K to $40K to make it to the Olympics.

Life insurance policies are often recommended for people with financial dependents

If you’re a parent, spouse, business owner, homeowner, or if you hold a lot of debt, you might want to consider life insurance. It can replace a loss of income or pay off debt.

Foodborne illnesses cost our country an estimated $74.7 billion in 2023

A US government estimate puts the cost of all foodborne illness in 2023 at almost $75 billion dollars. In a report published by the US Department of Agriculture’s Economic Research Service, government analysts detailed how the burden of foodborne illness includes medical costs, but also more hidden costs like lost wages. The analysis also breaks down estimated costs by pathogen.

The two main types of life insurance are term and permanent

The biggest difference between the two is how long they cover the life of the insured person and how much they cost. This guide can help you learn more about term and permanent life insurance, plus their different variations, to choose the right policy for you.

Heat is the leading cause of death in natural disasters

Floods are a distant second, followed by hurricanes. That's according to data reported by the National Oceanic and Atmospheric Administration.

Use this student loan calculator to estimate monthly student loan payments.

The most expensive private schools in the US

Private schools can offer students specialized education and one-of-a-kind opportunities, but those often come with a price, with some schools charging close to six figures. Check out this list of the four most expensive American private schools, which charge more than most four-year colleges.