The home insurance market is under pressure from increasing extreme weather events, resulting in higher payouts and premiums, making coverage less affordable for homeowners. Insurers are withdrawing from high-risk states, and while state programs offer some relief, they often fall short of full coverage. Efforts to combat rising costs include California’s mandate for insurers in wildfire areas and the use of sustainable building materials, alongside community initiatives to reduce pollution and improve resilience against climate-related disasters.
