Weekly Roundup: New Reports Show Risks To Housing and Insurance Markets Continue to Rise
FOR IMMEDIATE RELEASE
September 5, 2025
Contact: contact@insurancefairnessproject.com
Weekly Roundup: New Reports Show Risks To Housing and Insurance Markets Continue to Rise
Each week, the Insurance Fairness Project highlights the latest developments in the national climate-driven property insurance crisis. For more insurance updates, follow us on LinkedIn, X/Twitter, and Bluesky.
1/ NEW HOUSING AND CLIMATE RISK REPORT: A recent analysis by Realtor.com, released on Wednesday, indicates that climate-driven hazards are transforming the housing market.
Realtor.com: 2025 Realtor.com Housing and Climate Risk Report
WRAL News: Hidden flood threats: 1 in 4 U.S. homes face severe climate risk, new report shows
USA Newshour: More Than $12 Trillion in U.S. Homes Face Severe Climate Risks, New Realtor.com® Analysis Finds
2/ INSURABILITY CRISIS: $152 BILLION IN LOSSES: Verisk's 2025 Global Modeled Catastrophe Losses Report reveals a 25% year-over-year increase in insured losses from natural disasters, reaching an average annual baseline of $152 billion.
Verisk: Modeling Insured Catastrophe Losses: A Global Perspective for 2025
Forbes: $152 Billion In Losses Signals A Crisis In Insurability
3/ INSURANCE DESERTS: RISING INSURANCE RATES ARE THREATENING THE HOUSING MARKET: Homebuyers across the country are facing a dual challenge: escalating home prices and rising homeowners insurance premiums—a requirement for most mortgages.
Bankrate: Insurance deserts emerge as rising rates threaten housing market
“The ability to secure homeowners insurance, keep home insurance and pay the increasing cost of insurance is going to affect who and where people can live in places of high hazard,” says Kimiko Barrett, a wildfire researcher and policy analyst at Headwaters Economics in Bozeman, Montana.
4/ INSURANCE MARKET AT RISK AS HEDGE FUNDS PILE INTO CATASTROPHE COVER: Munich Re warns that increased involvement of hedge funds and private investors in reinsurance threatens the stability of the catastrophe cover market, intensifying competition for major players.
5/ FLORIDA INSURERS FINED FOR “MISCONDUCT”: Florida’s Office of Insurance Regulation (FLOIR) fined eight insurance companies over $2 million for "misconduct" in their handling of claims from Hurricanes Ian and Idalia.
Newsweek: Florida Insurers Fined Millions Over Mishandling of Hurricane Claims
South Florida Sun Sentinel: Eight home insurers fined total of $2.1 million for violations after hurricanes Ian and Idalia
Our Insurance World: Florida Home Insurance Companies Fined $2 Million for Delayed Hurricane Claims
Resources
Insurance Fairness Project: Polling – Voters Want Their Government to Address the Property Insurance Crisis
Public Citizen and the Revolving Door Project: Mapping the Home Insurance Crisis
Consumer Federation of America: Overburdened: The Dramatic Increase in Homeowners Insurance Premiums and its Impacts on American Homeowners
Brookings Institution: Homeowners insurance in an era of climate change
Revolving Door Project: Trump disaster policy tracker: Timeline and Map
Consumer Federation of America and Climate and Community Institute: Penalized: The Hidden Cost of Credit Score in Homeowners Insurance Premiums
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The Insurance Fairness Project is an information hub dedicated to offering insights into the home insurance crisis, exploring its drivers and highlighting solutions alongside issue experts and community advocates.
