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Guide · 7-minute read

Stress and insomnia: when racing thoughts keep you awake

Stress is one of the most common triggers of insomnia, especially in people whose sleep reacts strongly to stress[1][2]. What keeps it going afterwards is often worry about sleep itself and keeping a close watch on your nights[3][4]. These patterns can be worked on: they are among the things CBT-I targets.

By Andy Leleux, sleep technologist · Updated on 28 October 2026

Key points

  • Some people's sleep reacts far more to stress: when exposed to major stress, they develop insomnia markedly more often[1][2].
  • Worrying about sleep predicts insomnia that lasts; monitoring your sleep less goes hand in hand with remission[4].
  • Writing down your worries and a possible way forward early in the evening reduced mental agitation at bedtime in a small study[5].
  • Working on your thoughts is part of CBT-I, with results that vary between studies[6][7].

Stress, a common trigger

Losing a job, money troubles, a separation, an illness or a bereavement: events that threaten our safety, stability or sense of identity are the ones most likely to trigger insomnia[1].

But not everyone is affected equally. Some people have sleep that is highly “reactive” to stress: one tense evening is enough to keep them awake. In a recent study, more than 19% of people with highly reactive sleep who went through a major stressor developed insomnia, compared with about 5% of people with low reactivity and no such exposure[1]. Researchers think it is this reaction to stress, more than a constant state of alertness, that signals the risk[2].

Why insomnia takes hold

The cognitive model of insomnia describes a vicious circle: you worry about not sleeping and what it will do to you, you keep an eye on the clock and on signals from your body, and you fall back on “safety behaviours” (staying in bed longer, cancelling plans, taking a sleeping pill “just in case”). All of this raises tension and draws more attention to sleep, which makes it harder still[3].

A study that followed people over several months found that worry about sleep predicts insomnia that persists, and that monitoring sleep less and dropping these safety behaviours go hand in hand with remission[4].

What helps in the evening

  1. Clear your head before bed. Early in the evening, take a few minutes to write down what's worrying you and, for each worry, one possible next step. In a small study, this “constructive worry” technique reduced mental agitation at bedtime[5].
  2. Give yourself time to wind down. A quiet spell before bed, with no work or screens, helps you let go of the day.
  3. Don't try to sleep at all costs. The harder you force sleep, the further away it gets. Aim to rest, and sleep will come.
  4. If your thoughts keep going round in bed, get up and go back when you feel sleepy again: that's stimulus control.
  5. Don't look at the clock, and put your phone away: watching the time pass feeds worry[3].

What about relaxation?

Slow breathing and muscle relaxation help you unwind and can be part of an evening routine. But within CBT-I, the large analyses find no specific effect from them[6]. See relaxation.

CBT-I and your thoughts

CBT-I includes work on your thoughts (cognitive restructuring): spotting the ideas that keep worry going (“if I don't sleep, tomorrow will be a disaster”) and replacing them with more balanced ones. One large analysis ranks it among the most effective components[6]; another did not find this effect[7]. The method is explained in detail in thoughts and sleep. Either way, it is used alongside the behavioural components, sleep restriction and stimulus control.

When stress becomes too much

Anxiety that takes over your days, panic attacks, lasting sadness or a loss of interest in everything are worth talking over with your doctor or a psychologist. Insomnia and anxiety or depression often feed each other, and both can be treated.

If you are in distress

If difficult thoughts are taking over, you can call at any time: in Belgium, 0800 32 123 or 1813 (in Dutch); in the UK and Ireland, 116 123; in the US, 988. If you are in danger, call 112 or your local emergency number.

Frequently asked questions

Can stress cause long-term insomnia?

Stress often sets off the first bad nights. Insomnia becomes long-lasting when worry about sleep and compensating habits take over, even once the stress has passed.

How do I stop thinking in bed?

You can't force your thoughts to stop. What helps: writing down your worries early in the evening along with a next step, giving yourself a quiet moment before bed, and getting up if your thoughts keep going round in bed, then going back when you feel sleepy again.

Why am I exhausted in the evening but wide awake once I'm in bed?

After weeks of difficult nights, your bed can become linked with wakefulness and tension. Stimulus control and sleep restriction help rebuild the link between bed and sleep.

Does meditation help you sleep?

It can help you relax and step back from your thoughts. For chronic insomnia, CBT-I remains the approach recommended first.

Should I take anti-anxiety medication to sleep?

That is a decision to make with your doctor. Benzodiazepines carry a risk of tolerance and dependence, and must never be stopped abruptly. See our guide to sleeping pills.

Read and do next

Sources

  1. [1] Jennings MB, Kalmbach DA, Cheng P, et al. Identifying major life events associated with insomnia disorder: stressors that disrupt safety, stability, and identity. Sleep Health. 2026;12(3):450-457. PubMed
  2. [2] Kalmbach DA, et al. Hyperarousal and sleep reactivity in insomnia: current insights. Nat Sci Sleep. 2018;10:193-201. PubMed
  3. [3] Harvey AG. A cognitive model of insomnia. Behav Res Ther. 2002;40(8):869-893. PubMed
  4. [4] Norell-Clarke A, Jansson-Fröjmark M, Tillfors M, et al. Cognitive processes and their association with persistence and remission of insomnia: findings from a longitudinal study in the general population. Behav Res Ther. 2014;54:38-48. PubMed
  5. [5] Carney CE, Waters WF. Effects of a structured problem-solving procedure on pre-sleep cognitive arousal in college students with insomnia. Behav Sleep Med. 2006;4(1):13-28. PubMed
  6. [6] Furukawa Y, et al. Components and delivery formats of cognitive behavioral therapy for chronic insomnia in adults. JAMA Psychiatry. 2024;81(4):357-365. PubMed
  7. [7] Steinmetz L, et al. Network meta-analysis examining efficacy of components of cognitive behavioural therapy for insomnia. Clin Psychol Rev. 2024;114:102507. PubMed

This guide provides information and does not replace advice from a doctor or psychologist. If you are in distress, call your local crisis line at any hour: 1813 or 0800 32 123 in Belgium, 116 123 in the UK and Ireland, 988 in the US. In immediate danger, call 112 in Europe or your local emergency number.

Get back to calmer evenings.

ReSomnia guides you through CBT-I: a sleep diary, a sleep window and a module for working on the thoughts that keep you awake. Free, with your clinician if you wish.

Start for free

The app itself is in French for now. English is on the way.