Awareness of the need for greater home safety is on the rise, but many U.S. homeowners are still vulnerable to risks like water damage, wind, hail, and fire, according to a new report from The Hanover Insurance Group.

A national watchdog safety group reports that Texas is near the bottom when it comes to storm protection. The Institute for Business and Home Safety said a lack of building codes is putting homeowners at risk. 

Texas homeowners’ insurance rates are rising fast, and there is little the Texas Legislature or anyone else can do to slow them down.

Insured losses from natural catastrophes could soar to $145 billion this year — well above the 10-year average — as population growth, urban sprawl and climate change combine to supercharge risks, according to a report by Swiss Re Institute.