The rising cost of home insurance is disproportionately affecting homeowners in disaster-prone areas, such as Nebraska, Oklahoma, and Texas, where premiums are significantly higher due to risks like tornadoes, hurricanes, and wildfires. Lower-income households and communities in hazard-prone regions are particularly vulnerable, with some homeowners potentially becoming underinsured or unable to afford coverage altogether. This trend could exacerbate existing inequalities, as Black and Hispanic homeowners are already more likely to lack insurance. The financial strain is further compounded by rising mortgage rates, property taxes, and other housing costs, making homeownership increasingly unaffordable for many Americans.