In 2026, homeowners insurance is facing record highs due to climate volatility, with frequent severe weather events like hurricanes and floods straining insurers and policyholders. A South Florida Reporter notes 'secondary perils' causing significant losses, prompting coverage adjustments. Rising ocean temperatures intensify tropical storms, leading to widespread damage and repriced premiums, with national averages up 4% this year after a 12% rise in 2025. States like California and Nebraska see even higher increases.