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In parts of coastal North Carolina and Texas, homeowners who were paying one rate for property insurance in 2019 are now paying double, and that’s after adjusting for inflation.

A February 2026 report from the U.S. Government Accountability Office, the most thorough federal analysis of homeowners insurance markets in years, confirms what many Americans in hurricane, wildfire, and tornado-prone areas already know: the cost and availability of home insurance now depends on climate risk. Nationally, premiums only slightly outpaced inflation from 2019 to 2024. But in high-risk areas, homeowners are seeing price jumps that are changing where people can afford to live, own property, and even stay insured.

The National Average Hides the Real Story

At first glance, the national data seems manageable. The GAO found that the average U.S. homeowners’ insurance premium, adjusted for inflation, rose only 3 percent between 2019 and 2024, going from $2,743 to $2,829 in 2024 dollars. The South reported higher premiums than other regions, but the national average stayed mostly steady.

But when you look at the data by ZIP Code, the story changes. In the same period, many coastal areas in North Carolina and Texas saw premium increases of more than 50 percent after adjusting for inflation. Some places in Palm Beach County, South Florida, also had big jumps. At least 10 ZIP Codes in North Carolina, Texas, Utah, Florida, and California saw increases over 25 percent above inflation in just the last five years.

‘Premiums (Inflation-Adjusted) for Homeowners Insurance Rose Sharply in Some Coastal Areas, 2019–2024.’ This color-coded national map shows premium changes by ZIP Code in different tiers (0–24%, 25–49%, 50–99%, 100%+). It clearly shows how insurance costs are splitting up by geography. Source: GAO.

Wind Costs Far More Than Wildfire — For Now

The GAO used statistical modeling to show how disaster risks raise premiums, and the results are clear. Homes in areas with severe or extreme wind risk pay about 58 percent more, or $1,294 extra per year, compared to similar homes with only major wind risk. Moving from major to severe wildfire risk adds about 8 percent, or $181 per year, to premiums.

This difference shows how much damage wind events like hurricanes can cause. According to GAO data, ZIP Codes with severe or extreme wind or wildfire risk saw premiums rise 6 to 10 percent each year since 2021. In comparison, areas with major risk saw increases of only 1 to 4 percent per year. Over six years, an 8 percent annual increase adds up to a total increase of 59 percent.

Increases in Wind Risk Raised Premiums More Than Increases in Wildfire Risk.’ This bar chart compares the dollar and percentage premium increases for wind and wildfire risk levels, making it easy for readers to understand the differences. Source: GAO.

State-level disaster costs also play a role. The GAO found that when a state’s average disaster-related costs rose from $25 billion to $35 billion between 2018 and 2023, premiums went up by about 8 percent, or $170 more per year. This happens because insurers update their loss estimates after big disasters. One insurer told the GAO it raised its wildfire risk assumptions for California after the major fire seasons in 2017 and 2018, even before the devastating 2025 Los Angeles wildfires.

Affordability Is Worst Where Income Is Already Stretched

Premium burden, which is the cost of insurance compared to median household income, highlights how climate change is hitting low-income communities hardest. In 2023, Florida, Louisiana, and Oklahoma had the highest premiums relative to income, just as they did in 2019. According to the GAO, states where premiums take up more than 10.6 percent of median income are considered to have a “very high” burden. Florida falls into this category.

The people paying the most for insurance are often those who have the fewest options to move or insure themselves. High insurance costs in risky areas often go hand in hand with lower incomes, older homes, and less access to federal help. Researchers call this a climate-driven affordability crisis.

When Private Insurance Disappears

Rising premiums are just one issue. In some high-risk areas, private insurers are not only raising prices but also leaving the market. The GAO tracked the market share of state FAIR plans and beach plans, which are the “insurers of last resort” for homes that can’t get regular insurance, from 2019 to 2023. Nationally, their combined market share almost doubled, going from about 1.4 percent to 2.5 percent of homes.

California’s numbers tell the story. The state’s FAIR Plan, which covers wildfire risk, grew from about 200,000 residential policies in 2020 to around 450,000 by 2024. About 78 percent of this growth happened in ZIP Codes with major or severe wildfire risk. After the January 2025 Los Angeles fires, enrollment jumped another 43 percent between September 2024 and December 2025, according to Insurance Journal. Even low-risk urban properties are ending up on the FAIR plan as insurers withdraw from whole regions.

Florida and Louisiana have the highest FAIR plan market share among states with these programs. North Carolina’s beach plan, which covers coastal areas, leads all beach plans by market share. All three states face high Atlantic hurricane risk.

‘Market Share of State Insurance Plans of Last Resort, 2023.’ This dual-map figure shows FAIR plan and beach plan market share by state, making it clear where private insurance is most limited. Source: GAO.

Regulation Is Part of the Problem Too

Insurance policies are regulated by each state, and the GAO found that how long it takes to approve premium increases affects policy availability. States where regulators take longer to approve these requests often have more homeowners who can’t get private insurance. The GAO found that every extra 60 days in approval time was linked to about a 0.5 percentage point increase in the state’s FAIR plan market share.

Colorado’s median approval time from 2020 to 2024 was 331 days, the longest in the country. California’s was 305 days. When insurers can’t adjust rates quickly enough to reflect actual risk, some of them exit the market rather than underwrite policies at a loss. This is the dynamic that partly drove the California insurance exodus before the state’s Sustainable Insurance Strategy reforms announced in 2023, which allowed catastrophe modeling and reinsurance costs to be factored into rate-setting, practices already standard in most other states.

Insurers Are Losing Money — Just Not How You Think

Insurers lost money on homeowners insurance underwriting in 22 out of 30 years from 1995 to 2024, with an average annual loss of 4.2 percent. The worst years matched up with major disasters like Hurricanes Fran (1996), Sandy (2012), Harvey, Irma, Maria (2017), and the Maui wildfires (2023).

However, insurers offset underwriting losses with investment income, so the situation isn’t as bad as it seems—they are still highly profitable. In 2024, homeowners insurance had a $1.8 billion underwriting loss, but $8.8 billion in investment income turned it into a $6.9 billion profit overall. The industry is still profitable, even as rates rise and coverage becomes harder to obtain. Insurers say risk-based pricing is needed for long-term stability, but critics believe profitable insurers could do more to keep coverage available in high-risk areas.

Allianz SE board member Günther Thallinger told Capital&Main.com that climate change is a “systemic risk that threatens the very foundation of the financial sector,” and added that “a house that cannot be insured cannot be mortgaged.” The insurance crisis is a credit crisis in slow motion.

What States and the Federal Government Can Do

The GAO asked state regulators, insurance industry groups, and consumer advocates about eight possible federal policy options. Most agreed that the best approach is to focus on mitigation programs that help homeowners make their properties more disaster-resistant.

The GAO recommends Alabama’s Strengthen Alabama Homes program as a model. Since 2011, it has given grants to about 10,000 homeowners to upgrade their roofs to FORTIFIED standards, and another 45,000 have upgraded without grants. Alabama requires insurers to give premium discounts for FORTIFIED homes, making the upgrades a good investment. A 2025 study found that FORTIFIED roofs had fewer and less severe losses after Hurricane Sally, even with higher wind speeds. The National Institute of Building Sciences found benefit-cost ratios from 1.5 to 28, depending on wind speed.

As of now, at least 18 states have introduced bills in 2026 to reform insurance programs and include mitigation measures. These efforts build on a 2025 Colorado law (HB25-1182) that requires insurers to be open about their risk models and to discount premiums for homeowners who take mitigation steps.

The GAO listed eight federal policy options that Congress could consider, and your opinion matters. These options include tax deductions or credits for mitigation upgrades and insurance premiums, federal funding for infrastructure, a federal reinsurance program, community-based disaster insurance, and changes to how insurers’ reserves are taxed.

You can contact your U.S. senators and representative to share your views on where federal money should go. Mitigation incentives have wide support and are the most practical short-term step. Direct federal insurance programs are more debated, but if you think the private market has failed in your area, make that clear. The House Financial Services Committee and Senate Banking Committee are the main places for these discussions. You can find your members at congress.gov.

What You Can Do Now

  • Check your disaster risk. First Street Technology’s Risk Factor tool gives property-level wildfire, flood, and wind risk scores. This is the same data source the GAO used.
  • Look into the FORTIFIED standards. The Insurance Institute for Business & Home Safety (IBHS) certifies FORTIFIED construction for roofs, homes, and commercial buildings. Some states offer grants or require insurers to give discounts for certified homes.
  • Learn about your state’s FAIR plan. If you can’t find private coverage, your state might have a FAIR plan or beach plan as a last resort. These plans usually offer less coverage and cost more than private insurance, but they provide insurance when no other options exist.
  • Review your current insurance coverage. Many homeowners don’t realize they are underinsured. Check your dwelling coverage limit and compare it to current replacement costs, which have gone up a lot since 2020 due to construction inflation.
  • Get involved with your state legislature. Insurance reform is happening in many states right now. Colorado, Washington, Oregon, and Hawaii are working on bills that link insurance to mitigation in 2026. You can find your state insurance commissioner at naic.org.
  • Support federal funding for mitigation. FEMA runs several pre-disaster mitigation grant programs. Community investments in things like firebreaks, levees, and better building codes help lower the basic risk that affects everyone’s insurance premiums.

The post How Climate Disasters Are Breaking the Homeowners Insurance Market appeared first on Earth911.

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Earth911 Inspiration: Love of Nature Transcends

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This week’s quote is from Jimmy Carter, the 39th president of the U.S., philanthropist, and environmental advocate: “Like music and art, love of nature is a common language that can transcend political or social boundaries.”

Earth911 inspirations. Post them, share your desire to help people think of the planet first, every day. Click the poster to get a larger image.

Love of nature quote from Jimmy Carter

This poster was originally published on February 7, 2020.

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Outdoor Projects You Can DIY for Almost Nothing

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It always strikes us as amusing how many DIY projects you see online that seem to require more time and more money than it would take to simply buy the thing they’re trying to DIY in the first place. Are we missing the point?

We think that doing things ourselves and taking back the power to create instead of simply consuming is absolutely vital to the green movement. But if you don’t already have the materials and spend a lot of money purchasing craft supplies, does it really make sense to DIY?

These eight projects are true do-it-yourself masterpieces. One-of-a-kind outdoor projects you can make for almost nothing, with supplies you most likely already have or can easily pick up second hand for a song. Roll up your sleeves and let’s get started!

1. Teapot/Teacup Bird Feeder

Idea and photo credit: Dinah Wulf, DIY Inspired

Do you have one of Grandma’s old tea sets lying around that doesn’t quite fit into the sleek modern aesthetic you’ve been cultivating? Put it to great use by feeding the birds in your area — in style.

Thrift stores are always awash in old china, so if you don’t already have the old tea set, consider going wild and spending a few bucks for this DIY delight. You’ll find blogger Dinah Wulf’s instructions for the teacup bird feeder at DIY Inspired.

Safety note: Use sturdy twine or cord — not chain — to hang the feeder. Birds can catch their toes in chain links, which causes serious injury. The National Audubon Society also recommends cleaning seed feeders every two weeks (more often in hot, humid weather) by scrubbing with soap and water and soaking in a 50-50 vinegar-water solution to prevent the spread of avian disease.

2. Gardening Tool Storage

DIY rake gardening holder
Idea and photo credit: Beth Logan, Artstuff Ltd.

What on earth do you do with those rusty-as-heck, old-school garden rakes hanging around your garage? Well, if you’re any sort of DIY genius, you press them into service as a gardening tool holder.

The original inspiration for this project came from Beth Logan at Artstuff Ltd., whose blog has since gone offline. For a current walkthrough, see the Repurposed Rake Tool Rack tutorial at DIY n Crafts (project #14 in their roundup of 25 ways to reuse old garden tools). The concept is embarrassingly simple — remove the rake handle, mount the head tines-out on a fence or garage wall, and use the tines themselves as hooks for trowels, gloves, and pruners — but eye-catching enough to make you look like a DIY pro.

3. Bottle Tree

A bottle tree, image courtesy of Felderrushing.blog

Do you like wine? No, I mean do you really like wine? Do you want a reason to drink more of it? And does your garden need a cute border? This sustainable, upcycled garden border may be just the project for you. You might have to expand your drinking list to include bottles of various shapes, sizes, and colors — but variety is the spice of life.

When friends ask how you managed to collect so many bottles, just laugh gaily and then distract them with your dainty teacup bird feeder. The bottle tree tradition itself runs deep — Mississippi garden writer Felder Rushing traces the practice back through African American Southern folk art and, by his own research, as far as ancient Egypt and Mesopotamia. See his bottle tree gallery and history for inspiration, or jump straight to his how-to guide for building one out of a cedar snag, rebar, or just about anything else.

4. Colorful Outdoor “Tiles”

Painted Patio Tiles
Idea and photo credit: Elsie Larson, A Beautiful Mess

If your backyard isn’t perfectly landscaped and manicured, with an impeccably tiled “outdoor living space,” don’t despair. You can use up all those half-empty paint cans and create a Pinterest-worthy colorful backdrop for evenings spent clustered around a fire or barbecue.

Pop a few coats of paint on cement tiles and you have a one-of-a-kind flooring solution. If you rent, the same effect could be achieved on a more temporary basis by letting the kids go wild with sidewalk chalk and create a mosaic masterpiece. Check out Elsie’s Painted Patio Tiles at A Beautiful Mess for the back story on this DIY idea. (Heads up: the original author noted she had to touch up the paint each spring in Missouri winters — a porch and patio floor enamel will hold up better than wall paint.)

5. Home Sweet Gnome

Idea and photo credit: Jennifer Pilcher, Snapguide

Okay, this one might be the least practical idea of the bunch, but that may be why I love it oh so much. If you have a stump in your backyard and you’re not willing or able to pay the truly insane amount it costs to have it ground down and removed, how about making it into a little gnome home? This is the perfect outdoor project if you have small children in your life.

Construct the trappings of a little house — door, windows, winding garden path — from found objects or natural materials, and affix them to the stump. Bonus points if you don’t tell the kids about this particular DIY project and allow them to simply stumble upon it one day in the garden. My mind would have been blown if I had come across one of these as a seven-year-old. For a step-by-step build, see this Gnome Tree Stump Home tutorial on Instructables.

Safety note: Don’t use an angle grinder to gouge windows or doors into a stump. Use a chisel and mallet for shallow detail work, or attach decorative pieces (driftwood, bark, polymer clay) to the outside instead.

6. Mosaic Stepping Stones from Broken China

Image courtesy of Gardening.org.

Every household eventually accumulates a small graveyard of chipped mugs, a single survivor from a four-piece dinner set, or a beloved teapot with a hairline crack. Rather than tossing them — broken ceramics generally aren’t accepted in curbside recycling — embed them in concrete stepping stones for a garden path that’s genuinely one of a kind.

This pairs beautifully with the teacup project above: any teacups that don’t make it past Project #1 (you will break a few) can come back as paving. The DIY mosaic stepping stones tutorial at Gardening.org walks through the full process — breaking ceramics safely inside a drop cloth, sizing pieces to half-inch to one-inch fragments, pressing them into wet concrete, and sealing the surface so sharp edges don’t cause injury underfoot. Basic mold options include an old cake pan, a plastic plant saucer, or a purpose-built stepping stone form from a craft store.

Safety note: Wear safety glasses and heavy gloves when breaking ceramics. Once cured, run a finger over the surface to check for protruding edges and file or sand any down before placing the stone where bare feet might land.

7. Vertical Pallet Herb Garden

Shipping pallets are one of the world’s most abundant near-free materials. Small businesses, garden centers, and feed stores often have stacks of them out back, and asking politely beats the alternative of seeing them landfilled. Mounted vertically against a sunny wall or fence, a pallet becomes a stacked planter that holds enough herbs to keep a kitchen in basil, thyme, parsley, and chives all season.

Grit Magazine published a clear how-to for a vertical pallet planter — line the back and sides with landscape fabric or heavy plastic to hold soil, fill through the slats, and plant each gap as its own row. The gaps act as natural divisions, so different herbs don’t fight for the same root space.

Safety note: Use only heat-treated pallets for anything edible. Look for the IPPC stamp with the letters HT (heat treated) and avoid any stamped MB (methyl bromide — a fumigant restricted under the Montreal Protocol). Unstamped pallets are unknowns; skip them for food crops. The same heat-treated pallets are fine for ornamental flowers either way.

8. Punched Tin Can Lanterns

Steel food cans — soup, tomato, coffee — are one of the most recyclable materials on Earth, but the recycling-then-buying-something-decorative loop has plenty of slack in it. With nothing more than a hammer, a few nails of varying sizes, and the freezer, an empty can becomes an outdoor lantern that throws constellation patterns across a patio at dusk.

HGTV’s tin can lantern tutorial covers the trick that makes this project work: fill the can with water and freeze it solid before punching, so the ice supports the can wall and prevents denting. Sketch your pattern on paper, tape it to the frozen can, punch through with a nail at each marked dot, and let the ice thaw. Drop in a battery tealight (much safer outdoors than a real flame) and group them along a walkway or down the center of an outdoor table.

The Point of All This

None of these projects requires you to buy more than a tube of waterproof adhesive, a bag of concrete, or maybe a stepping stone mold. The materials — chipped china, leftover wine bottles, empty cans, a forgotten pallet, an old rake — are already in your house or someone else’s. That’s the point. The greenest project is the one that uses what already exists, and the best part is that yours will look like nobody else’s.

Editor’s Note: This article, originally authored by Madeleine Somerville on June 17, 2015, was updated with corrected links and new ideas in May 2026.

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Best of Sustainability In Your Ear: Author Nadina Galle on The Nature of Our Cities

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More than half the world’s population—4.4 billion people—live in cities today. That number is expected to rise to 80% by 2050. Our guest, Nadina Galle, is a trailblazing ecological engineer and author of The Nature of Our Cities. She is an ecological engineer who studies the intersection of nature and technology in urban environments. Nadina developed the concept of an Internet of Nature (IoN) that uses tools like artificial intelligence, automation, and sensors to support and enhance ecosystems within cities. Nadina’s book offers a transformative perspective on how urban spaces can be reimagined in the face of climate change and sprawling development. She shares the inspiring story of the Groene Loper project in Maastricht, Netherlands, where soil sensors were deployed to monitor tree health. The results were remarkable, with trees supported by this technology growing up to three times larger than those without it. This is a powerful example of how technology can not only protect trees but also transform urban spaces into healthier, greener environments.

Nadina Galle, an ecological engineer and author of The Nature of Our Cities, is our guest on .

From fire and the wheel to the reinforced concrete frames that define modern buildings, we are surrounded by technology. We tend to forget that technology emerged in response to nature — too often, we treated nature as the enemy, the chaos to be contained instead of recognizing that nature’s cycles and changes are the harmony we need to join to sustain society. The loss of any semblance of natural patterns, which ultimately leads to the depletion of the resources necessary for life, has inevitably led to the collapse of previous major civilizations. Modern society has more runway than previous societies because we have created a global economy, but that risks an even greater fall for our species when the ecological underpinnings of our prosperity collapse. The Nature of Our Cities, is a powerful, straightforward, and emotionally resonant book to help you think through your role and choices in the restoration of nature. You can find it on Amazon or Powell’s Books.

Editor’s Note: This episode originally aired in December 2024.

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