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CBS News

As climate risks mount, homeowners far beyond California face soaring insurance bills

CBS News
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The average homeowners insurance premium in the U.S. has jumped 33% from 2020 to 2023, research shows.

Climate change is heightening the conditions that lead to fire-conducive weather, including drying out vegetation and constraining water supplies.

Even property owners in states considered less vulnerable to climate disasters are grappling with increased insurance costs and dropped policies.

Most Americans in the U.S. who own a home also have property insurance because such coverage is required by mortgage lenders.

But as climate-related disasters proliferate, insurers are readjusting their risk models and boosting premiums.

As wildfires, hurricanes and other weather events become more intense, it's likely that insurance access and affordability will also worsen.