Haven't read this piece yet due to paywall, but honestly can't get past the graphic below, which NYT usually does so well.
https://www.nytimes.com/2025/02/03/opinion/home-values-insurance-climate.html?smid=nytcore-android-share
https://www.nytimes.com/2025/02/03/opinion/home-values-insurance-climate.html?smid=nytcore-android-share
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