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Habitat for Humanity Helped Them Get Homes. An Insurance Crisis May Take Them Away. (www.nytimes.com)

submitted 2 months ago by [email protected] to c/[email protected]

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The situation has been held up as a dire warning for other homeowners across the state: Insurance premiums will most likely keep rising as a changing climate threatens more frequent and intense natural disasters in Louisiana, which is particularly vulnerable, and many other states.

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[–] [email protected] 6 points 2 months ago

The key problem here is that people buy insurance in one-year increments, but with a multi-decade mortgage. So what looked like stable housing turns out not to be because assessments of risk have changed.