As the risk of damage from a natural disaster increases, insurance providers are responding by raising premiums or restricting coverage.In some states, insurance providers have limited their business or pulled out altogether. In California, seven out of the top 12 property insurance providers have paused or restricted new policies since 2022. In Florida, some private insurers have become insolvent and left the market, necessitating a state-operated alternative called Citizens Property Insurance Corporation. In 2023, the US Committee on the Budget launched an investigation into the solvency of Citizens.Public flood insurance...