The home insurance market is collapsing all across the country. Big, brand-name insurance companies are walking away from the riskiest states. And, the companies that are sticking around are often doubling and tripling rates over just a few years. Nothing like this has ever happened before. And nowhere is this crisis worse... than Florida. In fact, Florida is the origin story of this crisis: the home insurance market in every other state seems to be headed down the road that Florida has paved.

This episode was hosted by Jessica Meszaros and Carlyle Calhoun. This episode was written and reported by Jessica Meszaros and Jack Rodolico. Editing by Jack Rodolico, and Carlyle Calhoun with additional help from Halle Parker, Eva Tesfaye, Ryan Vasquez. This episode was fact-checked by Garret Hazelwood. Carlyle Calhoun is the managing producer. Our sound designer is Emily Jankowski and our theme music is by Jon Batiste.

Sea Change is a WWNO and WRKF production. We're a part of the NPR Podcast Network and distributed by PRX. SeaChange is made possible with major support from the Gulf Research Program of the National Academy of Sciences, Engineering, and Medicine. WWNO's Coastal Desk is supported by the Walton Family Foundation, the Meraux, and the Greater New Orleans Foundation.

You can reach the Sea Change team at seachange@wwno.org.