It's harder to get home insurance. That's changing communities across the U.S.

Home insurance is getting less affordable, and less available, as insurers raise prices and pull back from areas with extreme weather. That is changing communities, including those in Southwest Florida that were damaged by Hurricane Ian in 2022.

Home insurance is getting less affordable, and less available, as insurers raise prices and pull back from areas with extreme weather. That's forcing families across the country to make tough choices.

(Image credit: Ryan Kellman)