Rising homeowners insurance costs driven by climate risks reshape the U.S. housing market. AI and tech innovations enhance risk management amid market imbalances.

Verisk's 2025 report shows global modeled insured catastrophe losses have increased to $152B annually, driven by frequency perils like thunderstorms and wildfires. Insurance professionals must adapt risk strategies to these evolving challenges.

Homeowners face rising insurance premiums due to increased climate risks, severe weather, and market shifts. Learn how market reforms and risk mitigation affect coverage costs.

Homeowners insurance premiums in the U.S. have risen 9.3% since 2024, driven by climate risks and increased deductibles, challenging affordability and complicating mortgage closings. The E&S market grows in catastrophe-prone states.

Insurance companies are retreating from wildfire and hurricane-prone areas, causing rising premiums and fewer coverage options for homeowners. This shift challenges mortgage lending and exposes growing risks in disaster-prone U.S. regions.

The 2024 hurricane season threatens billions in U.S. property damage, exposing insurance gaps and financial risks in coastal markets. Insight on risk, insurance coverage, and federal preparedness.

Cotality report details over 33 million U.S. homes at risk from hurricane damage with $11.7 trillion potential reconstruction costs, impacting insurance premiums and housing markets nationwide.

First Street's assessment shows climate disasters in the US driving up mortgage foreclosures through rising insurance costs, flood damage, and credit risk, threatening housing market stability.

Homeowners insurance premiums in Texas have surged due to increased extreme weather events and regulatory challenges, impacting affordability and market stability.

From 2021 to 2024, Utah homeowners saw nearly $700 average annual insurance premium increases amid climate risks and housing affordability challenges. This report highlights regulatory and market trends shaping property insurance.