Home insurance costs in the US are on the rise, with estimates suggesting they may double within the next decade. Homeowners are facing significant financial pressure as hidden factors contribute to increasing rates, not just in disaster-prone areas but across the country. Climate change is becoming a major influence on insurability, pushing the industry to rethink home construction and insurance models. While some homeowners are finding ways to save by upgrading their properties for disaster resilience, many are discovering that such measures may not impact their insurance options positively. The situation has led to frustrations among retirees and homeowners alike, who feel trapped in a rapidly evolving insurance landscape where companies are wary of the risks posed by severe weather. As insurers adapt to these changes, the costs are rising faster than inflation, leaving many to wonder if they can keep up in this challenging environment.