NEADA projects Americans will spend an average of $800 on electricity June–September 2026, up 10.5% from last year, as extreme heat drives higher cooling demand on top of rising rates.

Climate-driven migration is already depressing property values and tax bases in high-risk communities while inflating housing costs in perceived climate-safe destinations, per economists and urban planners.

Policy brief finds climate-driven disasters are surging insurance claims, with 30-40% of Louisiana mortgage loans now failing due to high home insurance costs, and the U.S. facing a widening crisis of coverage availability and affordability.

Brookings analysis finds climate-driven homeowners insurance instability is widening wealth and homeownership gaps, with low-income Black and Latino communities disproportionately exposed to premium spikes and coverage losses.

Opinion piece from former FHFA acting chief of staff warns that rising insurance premiums and insurer withdrawals from high-risk states are undermining mortgage affordability and creating systemic concentration risk across lending portfolios.

Brookings companion paper reviews how France, Japan, Spain, and others use public reinsurance to keep climate-risk insurance affordable, presenting models for proposed U.S. federal intervention in a market where premiums have risen 28% since 2017.es.

NPR examines whether a quieter 2025 disaster season will translate into premium relief, finding that insurers remain reluctant to cut rates given mounting long-term climate losses that have exceeded $100B annually four of the past five years.

Mortgage professionals report that climate-driven insurance costs are now routinely collapsing purchase deals and inflating PITI payments by hundreds of dollars monthly, prompting calls for the federal 'US Re' reinsurer proposal.

Brookings companion paper reviews how France, Japan, Spain, and others use public reinsurance to keep climate-risk insurance affordable, presenting models for proposed U.S. federal intervention in a market where premiums have risen 28% since 2017.

Brookings investigates why homeowners’ insurance premiums are rising, what role climate change is playing, and how policymakers might respond.