国会预算办公室：2024年气候变化、灾害风险和房主保险报告（英文版）

Natural disasters put people and homes at risk nationwide. Households with insurance that covers losses from a natural disaster are better able to recover financially and return to their homes. As climate change and other factors increase the frequency, severity, and geographic reach of many kinds of natural disasters, more households in many high-risk areas are finding insurance difficult to obtain or afford. In this report, the Congressional Budget Office describes changes in insurance mark