<p>It’s not your imagination — the cost of your <a href="https://www.npr.org/2025/11/12/nx-s1-5546754/climate-home-insurance-cop30-prices-expensive-disasters" class="default">home insurance is going up</a>. </p><br/><p>Weather-related extreme events have sent homeowners’ insurance rates skyrocketing. Federal budget cuts to the Federal Emergency Management Agency will exacerbate these issues, particularly affecting state budgets and risk reduction efforts. </p><br/><p>In Minnesota, homeowners insurance rates <a href="https://www.mprnews.org/story/2025/03/31/minnesota-insurance-costs-could-continue-to-rise-under-new-trump-tariffs" class="default">increased</a> the last decade due to hail damage, leading to non-renewals and some companies leaving the market. </p><br/><p>Jordan Haedtler, a climate financial policy strategist with Climate Cabinet, based in Duluth, talks with MPR News Chief Meteorologist Paul Huttner about climate-change-fueled risks and steps the state Legislature is taking to address to address the issues.</p>