Constructing a building or home capable of withstanding a natural disaster is not impossible; it’s a choice. The fundamental problem is who pays for resilience and who benefits. As the climate changes, our elected officials should update building codes.

The American Property Casualty Insurance Association (APCIA) issued a statement addressing rising property insurance losses and associated affordability challenges, citing inflation, overbuilding in high-risk areas, legal system abuses, and regulatory constraints as primary factors.

Experts say one of the most immediate ways to combat the state’s insurance crisis is also one of the simplest: make homes more durable. That way when storms do hit, homeowners suffer fewer losses and insurance companies have fewer claims to pay out.

To bring down premiums, we must bring down losses. We need government action to slow emissions. We can complain about insurance company profits, but as long as disasters worsen, premiums will keep rising.