This Louisiana resident expects to pay 45 percent more for home insurance this year.

Similar increases are hitting homeowners across the state, where insurance costs have exploded over the past four years.

It’s part of a rapid shift that’s sending tremors through real estate markets across the country.

A Climate ‘Shock’ Is Eroding Some Home Values. New Data Shows How Much.

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By Claire Brown and Mira Rojanasakul. Photography by Emily Kask.

Claire Brown traveled to Louisiana for this article and Mira Rojanasakul combed through troves of data. Both spoke with homeowners, policymakers and insurance experts.

Nov. 19, 2025

Even after she escaped rising floodwaters by wading away from her home in chest-deep water during Hurricane Rita in 2005, Sandra Rojas, now 69, stayed put. A fifth-generation resident of Lafitte, La., a small coastal community, she raised her home with stilts.