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Home Insurance Increases Threaten Housing Stability in Deep South

This blog specifically looks at homeowners insurance across this Deep South, considering both premium increases as well as policy availability, compared to the rest of the country. The data show that despite having lower incomes and lower property values, the Deep South has some of the highest homeowners’ insurance rates and some of the largest increases in premiums over the last several years.

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Data & Visualization

Dive into interactive tools and visualizations to see the trends and opportunities shaping economic inclusion in the Deep South.

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Table 1: Grants per Capita in Rural Areas, 2021

April 28, 2026 | Regina Moorer

Region Grants Per Capita Northeast $148 Midwest… Region Grants Per Capita Northeast $148 Midwest $86 West $89 Deep South $48 Blog source: https://hopepolicy.org/closing-the-rural-investment-gap-through-philanthropy/ Read More >

Figure 2: Average Grants Per Capita, Deep South versus New York, 2014-2021

April 28, 2026 | Regina Moorer

Figure 1: Active Grantmaking Organizations Per 1000, 2014-2021

April 28, 2026 | Regina Moorer

Table 1: Rural areas with the lowest and highest shares of single-family purchase and refinance loans purchased by the GSEs, 2024.

March 16, 2026 | Kiyadh Burt

Figure 5. Household Energy Burden and Costs Across Income Levels

March 9, 2026 | Kiyadh Burt

Figure 4. Low-Income Households Also Face Energy Burdens Above the National Average

March 9, 2026 | Kiyadh Burt

Figure 3. Average Residential Energy Burden for Low-Income Households by State, Percent of Household Income Spent on Energy

March 9, 2026 | Kiyadh Burt

Figure 2. Extremely Low-Income Households Face Energy Burdens Above the National Average

March 9, 2026 | Kiyadh Burt

Figure 1. Average Residential Energy Burden for Extremely Low-Income Households by State, Percent of Household Income Spent on Energy

March 9, 2026 | Kiyadh Burt

Long Term Poverty Across the Deep South over 50 year period

March 2, 2026 | Kiyadh Burt

The Economic Effects of Climate Change in the Deep South

March 2, 2026 | Kiyadh Burt

Total Relief Funds by State in the Deep South

March 2, 2026 | Kiyadh Burt

Estimated Lifetime Earnings of Black Adults by Education Level

March 2, 2026 | Kiyadh Burt

Circular HBCU Economic Model

March 2, 2026 | Kiyadh Burt

Small Business Lending Access in the Deep South by Race

March 2, 2026 | Kiyadh Burt

Figure 1: Full Approved Small Business Loan Applications Figure 2: Denied Small Business Loan Applications Figure 3: HOPE Business Lending by Race, FY2024 Read More >

Generosity in the Deep South by Region & Race

March 2, 2026 | Kiyadh Burt

Figure 1: Religious Giving Patterns by Race Black… Figure 1: Religious Giving Patterns by Race Black households have Higher Rates of Religious Giving Despite than White Counterparts Figure 2: Charitable Giving by Region Southerners Give a Larger Share of Their Income to Charity than other Regions Figure 3:… Read More >

Figure 2: Mortgage Denial Rates in the Deep South by Race an Income

March 2, 2026 | Kiyadh Burt

Black borrowers are 2x as likely to be denied for… Black borrowers are 2x as likely to be denied for mortgage than white applicants at higher income levels Read More >

Black Generational Wealth in the South

March 2, 2026 | Kiyadh Burt

Figure 1: The National Racial Wealth Divide The median White household holds over six times the wealth of the median Black household. Figure 2: Racial Wealth Gap Higher in Deep South States than Nation White households hold up to 35… Read More >

The disparity between Black and White homeownership rates across the Deep South

March 2, 2026 | Kiyadh Burt

White household incomes outpace Black households… White household incomes outpace Black households in the Deep South and Nation by average of $30,000 Read More >

Household income at age 35 for children born to low-income parents

March 2, 2026 | Kiyadh Burt

HOPE Member Pulse Survey: Initial Insights

March 2, 2026 | Kiyadh Burt

Chart 1: Member Confidence on Financial Future Survey Question: “Current economic conditions have reduced my confidence in my financial future.” Chart 2: Member Reliance on Credit/Loans Survey Question: “Economic conditions have forced me to rely more heavily on credit or… Read More >

PWIs Outpace HBCUs in Indirect Cost Recovery Rates

March 2, 2026 | Kiyadh Burt

Endowment Dollars for Public PWIs vs. Public HBCUs

March 2, 2026 | Kiyadh Burt

HBCUs Exceeda National Rate for Pell Grant Access

March 2, 2026 | Kiyadh Burt

$60.8 Million Investment Distribution to HBCUs in the Deep South

March 2, 2026 | Kiyadh Burt

Bank Branch Decline in the Deep South (2010-2024)

March 2, 2026 | Kiyadh Burt

Homeownership & Denial Rates by Race and Income

March 2, 2026 | Kiyadh Burt

Funds Needed for Water Infrastructure Upgrades for MS Delta & Deep South Communities

March 2, 2026 | Tracy Meng

Figure 1. Percent of Households Lacking Complete… Figure 1. Percent of Households Lacking Complete Plumbing, Top 20 States Figure 2. Percent Households Lacking Complete Plumbing in Deep South Counties Read More >

Figure 1: Unbanked and Underbanked Rates in Deep South by Race

March 2, 2026 | Tracy Meng

Median Auto Loan Balances in Deep South

March 2, 2026 | Tracy Meng

Figure 1: HOPE Workforce Diversity Comparison to Banking Industry

March 2, 2026 | Tracy Meng

Table 1: Housing Characteristics by Banking Status of Deep South

March 2, 2026 | Tracy Meng

Mortgage Homeowner & Denial Rates in the Deep South

March 2, 2026 | Tracy Meng

Table 1: Homeownership Rates in the Deep South by Race Figure 1: Mortgage Denial Rates in the Deep South by Race and Income Read More >

Top Ten Challenges for All Women in the Economy

March 2, 2026 | Tracy Meng

The Wage Gap, Homeownership, and Economic Mobility

February 28, 2026 | Tracy Meng

Table 1: Wage Gap Disparities by Race and Gender… Table 1: Wage Gap Disparities by Race and Gender for Deep South States Figure 1: Home Mortgage Interest Rates for Loan Originations in the Deep South (2021) Read More >

Slave Population Across the United States

February 28, 2026 | Tracy Meng

Racial demographics and economic hardship across United States counties

February 28, 2026 | Tracy Meng

Use of Expanded Child Tax Credit by Family Income

February 28, 2026 | Tracy Meng

Households Fully Banked by Race

February 28, 2026 | Tracy Meng

High-Cost Debt Traps & Wealth Racial Gaps in Memphis

February 28, 2026 | Tracy Meng

NMTC Allocations to Minority Led CED Entities

February 28, 2026 | Tracy Meng

Rural borrower statistics and delinquency rates across the Deep South

February 28, 2026 | Tracy Meng

Table 1: Student Debt Delinquencies in the Rural South Read More >

The State Small Business Credit Initiative: A $3 Billion Opportunity for the Deep South

February 28, 2026 | Tracy Meng

Table 1: 2021 Deep South SSBCI Allocations Chart… Table 1: 2021 Deep South SSBCI Allocations Chart 1: SSBCI Lending To Target Areas Table 2: Deep South SSBCI Allocations and Programs, 2010-2017 Table 3: Deep South SSBCI Lending Impact Read More >

Incarceration rates across different states in the United States

February 28, 2026 | Tracy Meng

New Markets Tax Credit Investments in Majority People of Color Counties 2003-2017

February 28, 2026 | Tracy Meng