Across the country, people are noticing more extreme weather. Summers are hotter, storms are more intense, and wildfire seasons now last longer than ever before. Heavy rains can cause flash flooding even in areas that used to stay dry. Snowstorms arrive sooner and hit harder.
These changes are not just a matter of inconvenience. They’re changing how we live, how we build, and how we protect the places we call home.
Insurance companies are paying attention, too. As the risk of damage rises, so do the costs to insure homes in many parts of the country. Understanding the connection between climate change and homeowners insurance is more important than ever.
Home insurance is built on the idea of risk. If the risk of damage increases, the coverage cost usually increases. That’s precisely what is happening in many areas.
Wildfires in the West, hurricanes in the South, floods in the Midwest, and snowstorms in the Northeast all lead to higher claims. Insurers are paying out more money than before and adjusting rates to keep up with those costs.
Even homeowners who haven’t filed a claim are feeling the impact. If your area is now considered high-risk because of repeated weather events, your premium may rise simply because of where you live.
Climate change affects different parts of the country in different ways. Here are a few examples:
Western states have seen longer, drier summers that make wildfires more likely.
Southern coastal areas face stronger hurricanes and more frequent flooding.
Midwestern towns now experience more flash floods and heavy downpours.
Northern and Northeastern states are seeing harsher winters and severe snowstorms.
These events often lead to large-scale property damage. In response, insurance providers update their risk models and charge higher premiums in areas where damage has become more common.
There’s no way to stop the weather, but there are innovative steps homeowners can take to protect their property and reduce the chance of significant damage.
Clear gutters and storm drains to prevent water build-up
Trim trees and brush near your home to lower fire risk
Seal windows and doors to keep out heavy wind and rain
Install a sump pump in flood-prone areas of your home
Keep your roof and siding in good condition to withstand snow or hail
Taking these steps can reduce your risk, which may lower your chances of needing to file a claim. It also shows insurers that you’re doing your part to maintain your property.
As risks continue to shift, your insurance coverage should keep up. A yearly review of your homeowners policy can help ensure you have enough protection for today’s conditions, not just yesterday’s.
Here are a few things to check:
Is your policy based on the current cost to rebuild your home?
Does it include flood or wind damage coverage if your area is now at risk?
Do you know your deductible for natural disaster claims?
Have you added features or updates that should be included in your coverage?
If you’re unsure about any of these, it’s a good time to talk to a trusted insurance professional.
Weather events are shifting, and so is the cost of protection. By staying informed and reviewing your coverage regularly, you can ensure that your home is ready for whatever comes next. At CF&P Insurance Brokers, we help homeowners understand how climate changes affect their coverage. We stay updated on regional weather risks and industry trends to offer wise guidance.
Rising rates can be frustrating. We aim to clarify the process and help you find the proper protection based on where you live and how your world changes, contact us at (925) 956-7700 today. The link between climate change and homeowners insurance is growing stronger each year. Being prepared is not just helpful. It’s necessary.
