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.

“Our rates in Texas since we went to the file-and-use system track almost precisely with the losses we suffer in the market,” said Beaman Floyd, the director of the Texas Coalition for Affordable Insurance Solutions, which represents major Texas insurers including State Farm and Allstate.