Why home insurance is unaffordable, even in places without wildfires or hurricanes

A hailstorm damaged virtually every building in the small town of Cozad, Neb. in June 2024. More than a year later, Baltazar Avalos is still working to fix damage to his home.

Some of the country's highest home insurance prices are in the central U.S., a region generally considered to be protected from climate-driven disasters such as wildfires and hurricanes.

(Image credit: Rebecca Hersher)