The home insurance market in South Florida faces unprecedented volatility due to climate change, leading to record premiums. According to the South Florida Reporter, the increasing frequency of severe weather events, once considered rare, is now a regular occurrence. In 2025, premiums increased by 12%, and projections indicate a further increase of 4% in 2026, reaching an average of $3,057 per year. This increase reflects a broader trend in the insurance industry, which is increasingly relying on advanced disaster models to assess risks in a warming climate.