Florida's Climate Crisis: Hurricanes Are Making Home Too Expensive

Increasingly destructive hurricanes driven by climate change are making Florida unaffordable for thousands of residents. This is a warning sign that even developed nations are not immune to the human costs of climate change.

The Human Toll

"It's a little hard with the weather, you know? Two hurricanes in a row has kinda tapped me out mentally and almost financially."

- Jenny Gault, a Florida resident when interviewed about her decision to leave.

What's Happening in Numbers

$10,000/year

Average annual homeowners insurance premium in Florida. The most expensive in the United States

(NBC News, 2025)

+30%

Average rise in Florida home insurance premiums since 2021

(NBC News, 2025)

+213%

Projected increase in Tampa-area home insurance premiums by 2055 due to hurricane risk

(NBC News, 2025)

Why It Matters

Climate change is often framed as a distant or developing-world problem. But in Florida, one of America's most prosperous states, climate-driven hurricanes are already upending lives, erasing savings, and forcing families to flee.

The escalating insurance crisis shows that even the richest economies in the world aren't insulated from the rising costs of inaction. Without intervention, climate migration will grow, local economies will falter, and millions of Americans will be at risk.

The U.S. Department of Housing and Urban Development (HUD) must act now.

HUD should promote the development of climate-resilient homes and incentivize infrastructure upgrades in hurricane-prone areas to protect residents from rising risks of extreme weather.

Sources

Vox: Lavanya Ramanathan & Umair Irfan. "Why Hurricane Helene is a wake-up call." Link

NBC News: Nidhi Sharma. "Hurricane risk in Florida is escalating. Home insurance is harder to get." Link

ProPublica: Abrahm Lustgarten. "Who Will Care for Americans Left Behind by Climate Migration?" Link

NOAA/Climate.gov: “Atlantic Coast Hurricanes Intensifying Faster Than Forty Years Ago.” Link (See also the underlying study: https://doi.org/10.1029/2022GL099793)