

The rate on our house in the Houston Metroplex has more than doubled within the last year despite no historical damage or flooding since 1980.
The broader market in this region is not in good shape though since developers keep building homes in riskier areas and taking away natural grasslands and forests that can accept water.
We were shopping for insurance on some houses we were looking at and got quoted $16k/year on an average size/cost house out in Missouri City. This area is rapidly going the way of Florida/California with insurers pulling out or dramatically rasing rates. Our insurance broker specifically said companies have pulled out of Fort Bend County citing the risk.
Free market climate change works both on the cause and effect side.