This Senate resolution formally recognizes a strong link between climate change and the significant rise in insurance premiums for homeowners in the United States. It notes that insured losses from natural disasters have surged dramatically, increasing over 1000 percent since 2000 to exceed $100 billion annually, directly contributing to these escalating costs. The resolution further highlights that insurance costs have more than doubled in the last decade, outpacing inflation and accounting for a growing portion of mortgage payments. It warns that the increased risk, frequency, and intensity of natural disasters, driven by climate change, are making housing increasingly unaffordable, and this trend will worsen if climate change is not addressed.