As climate change continues to exacerbate risks for homeowners, insurance costs are soaring nationwide. A recent Treasury Department study found that U.S. home insurance premiums have risen significantly more in areas prone to climate-related disasters. Homeowners in states like New Jersey and Maine are experiencing sharp increases in their insurance bills, and many are at risk of losing coverage as insurers withdraw from high-risk regions. This situation is leading to growing concerns about the future of homeownership and the potential economic implications of an unstable insurance market. Experts warn that without proactive measures, the increasing frequency of natural disasters could contribute to a broader financial crisis, impacting not only homeowners but also the overall economy. As homeowners grapple with rising premiums, the insurance industry faces scrutiny from lawmakers and the public regarding its ability to adapt to these challenges.