This is a Senate resolution acknowledging that climate change is directly causing insurance premiums to skyrocket across the United States, making homeownership increasingly unaffordable. The resolution points to dramatic evidence: insured losses from natural disasters have jumped from $8.4 billion annually in 2000 to over $100 billion today—more than a 1000 percent increase. Insurance costs have more than doubled between 2013 and 2022, and now eat up more than 20 percent of many people's mortgage payments. Premiums are rising 40 percent faster than inflation, with projections showing another 8 percent increase in 2025. The problem is especially severe in disaster-prone states: Florida residents pay an average of $14,000 annually for insurance, Louisiana residents nearly $11,000, and Oklahoma residents almost $8,000. Since most mortgage lenders require homeowners to carry insurance before approving a loan, these skyrocketing premiums are pricing people out of the housing market entirely. The resolution formally recognizes that without addressing climate change and the increasing frequency and intensity of natural disasters, housing will become even more unaffordable for American families.