Buying a home in one of these 9 climate-risk states? Here’s how to deal with spiking home insurance rates from someone who lives in one

• Climate change is increasing the severity of natural disasters — and home insurance prices.
• For those moving to a climate-risk state, there are some steps you can take to protect your home.
• One Floridian homeowner shares her experience navigating home insurance.

Finding an affordable home in a red-hot real estate market is already a tremendous feat.

And now, in addition to rapidly rising prices, home buyers are increasingly worried about another factor: climate change.

According to Zillow, more than 80% of home buyers considered climate risks — including flood, wildfire, and hurricane — when shopping for a house.

In particular, climate change complicates the homebuying process by sending home insurance premiums skyrocketing . As storms and other natural disasters become more destructive, home insurance providers are raising rates or pulling out of certain states altogether, according to insurance company Insurify.

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