Disaster and insurance costs are rising. The middle class is struggling to hang on

A person fishes next to a broken pier in Fort Myers Beach, Fla., in October. The city is still rebuilding after Hurricane Ian devastated the area in 2022. High costs for construction and insurance have made Fort Myers Beach unaffordable for many who called it home before.

Middle-class families are struggling to afford insurance in southwest Florida. Realtors say a wave of foreclosures could be coming.

(Image credit: Ryan Kellman)