Many high-risk homes are in areas that are desirable because of location and home demand still outstrips supply.

A UCLA report estimates $75 billion in insured losses alone, far more than the next four most destructive California wildfires combined.

Inflation sent rates up at first. But factors like complex vehicle technology and climate change risk are keeping costs high.

More frequent severe storms mean there are, unfortunately, more opportunities to learn how to better estimate economic damage.

Insurance rates nationwide have jumped more than 11% in 2023 and climbed nearly 20% since 2022, according to S&P Global Market Intelligence.

The more low-income housing nonprofits have to pay for insurance, the less they have leftover to build new units to ease the housing shortage.

Citizens Property Insurance has a huge risk load as private insurers avoid the state. Many residents say coverage is already costly.

As people become more aware of living in vulnerable areas, home prices will gradually reflect that risk, says Tim Judge of Fannie Mae.

Climate risk and inflation are making insurance harder to find and mortgages harder to afford.