3 things that might be contributing: Insurance companies are allowed to charge more for people in high risk areas, but there's a cap that probably doesn't scal

3 things that might be contributing: Insurance companies are allowed to charge more for people in high risk areas, but there's a cap that probably doesn't scale with the actual risk level Insurance companies aren't allowed to pass on the costs when their reinsurance costs go up For a while there was a moratorium on dropping policies for homes in high risk areas