Rising home insurance costs driven by climate change are escalating affordability challenges ahead of the 2026 U.S. midterms. Regulatory and policy reforms focusing on public disaster insurance could reshape housing security and political strategies.

Sonic Fire Tech introduces an infrasound-based residential wildfire defense system in California, offering non-invasive protection against ember ignitions and supporting insurance risk management amid rising wildfire threats.

DLC Group and Sonnet Insurance launch a referral partnership integrating home and auto insurance into the Velocity mortgage platform, enhancing compliance and customer experience.

Home insurance costs in the U.S. rose 89% from 2014-2025 driven by extreme weather, inflation, and rising home values, impacting affordability and mortgage markets.

Brocker, Karns and Karns provides independent insurance coverage options across Iowa, partnering with Auto-Owners Insurance for competitive rates on home, auto, life, and business policies.

A groundbreaking class action lawsuit alleges major fossil fuel companies misled the public about climate change, contributing to rising home insurance premiums amid increasing extreme weather events.

California's home insurance costs remain moderate but are expected to rise due to new regulatory reforms allowing insurers to use climate risk models, impacting affordability and coverage availability for homeowners, especially in fire-prone areas.

California's FAIR Plan requests a 36% average rate increase after wildfire losses, highlighting growing challenges as private insurers leave disaster-prone markets and state pools assume more risk.

New York Senate hearing highlights rising homeowners insurance premiums driven by inflation, natural disasters, and market challenges. Regulatory efforts focus on affordability and policy stability.

Texas holds the sixth-highest insurance burden in the U.S., driven by rising home and auto premiums, severe weather risks, and litigation costs impacting market dynamics.