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like nearly 1-1/2 times as much. My insurer (State Farm) also said it was due to consistent catastrophes in like Florida and wildfires in California. They also said the timber costs from Canada are still high, as are lumber costs across the board... therefore, they factor in the what will it take to rebuild in worst case scenario. Although I live in tornado alley, that whole track has begun to shift east of us for the last few years, and I don't live close enough to the Missouri River to have impact me. I do have one small creek across the street, but it has never flooded. I do like the insurance agency I'm dealing with now... they aren't afraid of telling me anything, regardless of how it looks for the industry; and it's an all-female office. They've even found ways to help when the payment was more than I had in the bank.

We all pay for climate change, there's no escape the increase in costs because there's no longer any escape from climate change. We're just all going to have to deal with the increased costs because people for decades said it was a "hoax" or kicked the can down the road over and over again. Eventually, we're going to have to come to terms with climate migration, too... not just from outside this country, but also our own people looking to move to "safer" places. We aren't ready for any of this, as too many people STILL see it as a hoax! grrrr...