Rising home insurance premiums are increasing, putting Americans at a higher risk of becoming delinquent on their mortgage payments, according to a Federal Reserve Bank of Dallas analysis. The average U.S. home insurance premium has increased 57% from 2019 to 2024, compared to 73% in Texas. The study suggests that premium increases have pushed roughly 31,000 mortgages into delinquency in 2022 and another 203,000 could become delinquent per year from 2025 to 2055.