Science
See How Home Insurance Premiums Are Changing Near You
Insurance premiums are rising fast in the parts of the United States most exposed to climate-related disasters like wildfires and hurricanes.
New research shows that, as insurance has sharply pushed up the cost of owning a home, the price shock is starting to reverberate through the broader real estate market.
Rising insurance costs are eating into household budgets.
In some areas of the country that are exposed to disasters, homes are not selling because prospective buyers can’t afford both the mortgage and the insurance.
In parts of the hail-prone Midwestern states, insurance now eats up more than one-fifth of the average homeowner’s total housing payments, including mortgage costs and property taxes. In Orleans Parish, La., that number is nearly 30 percent.
Home insurance costs have soared where climate hazards are highest.
Nationally, insurance rates have risen by an average of 58 percent since 2018, outpacing inflation by a substantial margin. But that growth has been highly uneven across the United States.
Places that are most vulnerable to climate-related disasters like hurricanes, fires and hail are seeing some of the largest premium increases. It’s not always the case that the highest climate risk translates into the highest insurance costs. Local policies and regulations have helped keep prices lower in high-risk places, like parts of California. Other factors, like a homeowner’s credit score, can affect premiums, too.
What’s driving up insurance prices?
Since 2017, an obscure part of the insurance market, known as reinsurance, has helped push up premiums. Insurance companies buy reinsurance to help limit their exposure when a catastrophe hits. Over the past several years, reinsurance companies have experienced what Benjamin Keys and Philip Mulder, the researchers who led the new study, call a “climate epiphany.” As a result, the rates they charge to protect home insurance companies against catastrophic losses have roughly doubled.
Insurance providers have, in turn, passed these costs on to homeowners. The rapid repricing of climate risk is responsible for about 20 percent of home insurance premium increases since 2017, according to Dr. Keys and Dr. Mulder.
What else is contributing to high rates? Rebuilding costs are responsible for about 35 percent of the recent changes, the research found. Population shifts and inflation are factors, too.
High insurance prices are weighing down home values.
Since 2018, a financial shock in the home insurance market has meant that homes in the ZIP codes most exposed to hurricanes and wildfires sell for an average of $43,900 less than they otherwise would have, the research found.
In many places, insurance has been a relatively small part of the homebuying equation. Now, for many, it’s a major consideration.
For several homeowners we interviewed in Louisiana, monthly insurance costs are now higher than their home loan payments.
The research shows buyers may be factoring rising insurance costs into the prices they’re willing to pay for homes. As a result, homes in some areas are selling for less.
Methodology
Benjamin Keys and Philip Mulder calculated annual homeowners’ insurance costs by separating mortgage and tax payments from loan-level escrow data obtained from CoreLogic, a property and risk analytics firm. Households whose payments were captured by CoreLogic were not necessarily present in all years of data from 2014 to 2024.
The home insurance share of total home payments is based on mean values. Total home payments include insurance, property tax and mortgage principal and interest costs. Escrow payments typically do not include utilities, homeowners’ association fees.
Science
Did you feel it? As Artemis II nears reentry, scientists want to know how far the sonic boom travels
Southern Californians may hear a distinct “boom” around 5 p.m. Friday as NASA’s Artemis II moon flyby mission makes its energetic reentry off the coast of San Diego, the U.S. Geological Survey said.
USGS does not know how far up and down the coast — or how far inland — Californians will be able to hear this sonic boom, produced as the capsule breaks the sound barrier as it slows down, said John Bellini, a geophysicist with the agency.
For this reason, USGS is asking for the public’s help: Californians can report whether or not they heard the boom to the agency’s “Did You Feel It” survey.
This information, Bellini said, will help scientists better predict sonic booms in the future, which are dependent on a variety of atmospheric conditions.
“Since this is a known source with a relatively known location and time of occurrence, people reporting this can help us in the future to better characterize unknown sources of a similar type,” he said.
NASA astronaut and Artemis II Pilot Victor Glover in the Orion spacecraft during the Artemis II lunar flyby.
(NASA via Getty Images)
For example, meteorites and space debris piercing the atmosphere can produce sonic booms — as can supersonic tests from the military and private aerospace companies.
While Southern Californians might hear the intense reentry, NASA isn’t so confident they’ll be able to see it.
However, Aaron Rosengren, assistant professor of space systems at UC San Diego, is more optimistic.
“The weather is quite nice today,” he said. “If you have any view along the Southern Coast and you’re looking westward along the horizon, you should be able to see a faint light in the sky as it reenters.”
Rosengren expects that streak in the sky to last less than a minute.
The Artemis II crew, the first to reach the moon in a half-century, will slam into the atmosphere at 30 times the speed of sound, generating a fireball of nearly 5,000 degrees Fahrenheit around the capsule.
When Artemis II pilot and SoCal native Victor Glover was asked Wednesday evening about the moments from this mission he’ll carry with him for the rest of his life, he joked: “We’ve still got two more days, and riding a fireball through the atmosphere is profound as well.”
Science
What’s Inside NASA’s Mission Control
Between all the monitors, wires and keyboards are the normal trappings of a workplace: lunchboxes, water bottles, backpacks and smartphones.
A vase of roses brightens up the center of the room. Since the Challenger disaster in 1986, a couple in Houston has sent more than a hundred bouquets to mission control to commemorate NASA’s space launches and honor the lives of fallen astronauts.
Mission control is in a new room, and looks a little different than in the Apollo era. Wood desks have replaced green metal mainframes, and the ashtrays and rotary phones are gone.
But the bones of the operation have not changed, said Judd Frieling, one of the Artemis II flight directors, who spoke from mission control to reporters on Saturday. Every spacecraft needs similar systems — propulsion, navigation and the like — to succeed.
“We’re building upon the giants that started it back in the Apollo era,” Mr. Frieling said. “We continued our evolution during the space shuttle program, during the International Space Station program and now on to the Artemis program.”
Science
Contributor: Vaccine confusion sets up U.S. for a resurgence of hepatitis B in babies
Measles is back in the United States. More than 1,500 cases have already been reported in the first months of 2026, putting the country on pace to surpass last year’s total of more than 2,200, the highest number in decades. Public health officials warn that the nation’s status as “measles free” is now at risk as childhood vaccination rates decline.
Measles may not be the only disease poised for a comeback. Another virus that once infected thousands of American children each year could be heading in the same direction.
A recent study my colleagues and I conducted using national electronic health record data found that hepatitis B vaccination rates among newborns declined by more than 10% between 2023 and August 2025.
At first glance, hepatitis B may seem like an unlikely threat to infants. The virus spreads through infected blood or bodily fluids, exposures many parents assume newborns would rarely encounter. But before routine vaccination began, hepatitis B infected roughly 18,000 children under the age of 10 in the United States every year.
About half of those infections were passed from mother to child during birth. The rest occurred through everyday household exposure, often through contact with a caregiver or family member who did not know they were infected.
The consequences can be lifelong. While acute infection is often mild or asymptomatic, as many as 90% of babies infected in their first year of life develop chronic hepatitis B. Over time, chronic infection can lead to cirrhosis, liver cancer and liver failure.
The first major step toward prevention was screening. In 1988, universal hepatitis B testing during pregnancy was recommended so that infants born to infected mothers could receive protection immediately after birth. The strategy helped identify many high-risk cases, but it did not prevent all infections. Each year between 50 and 100 infants still developed hepatitis B.
To close those remaining gaps, universal newborn vaccination was recommended in 1991. Over the following decades, hepatitis B infections in children fell to fewer than 20 annually.
That is why many physicians were surprised when, in December, the federal government’s Advisory Committee on Immunization Practices revised its recommendation for newborn hepatitis B vaccination. Under the new guidance, babies born to mothers who test negative for hepatitis B may receive the vaccine based on individual clinical decision making rather than a universal recommendation.
The idea behind this approach is straightforward. If a mother tests negative for the virus, the immediate risk to the newborn is extremely low.
But the history of hepatitis B prevention shows why universal protection became necessary in the first place.
Today, an estimated 660,000 Americans still live with chronic hepatitis B, and roughly half are unaware of their infection. Exposure risks have not disappeared. They have been controlled through vaccination and screening.
At the same time, the nation’s vaccine guidance is becoming increasingly confusing. Earlier this year, the Centers for Disease Control and Prevention revised its childhood immunization schedule, moving several vaccines from being universally recommended to being suggested as topics of discussion for parents and providers.
The changes were not supported by new evidence. In response, the American Academy of Pediatrics created its own immunization schedule that largely maintains the previous recommendations.
As a result of a lawsuit against the CDC and the Department of Health and Human Services, a federal judge has temporarily blocked the changes to the federal recommendations and invalidated actions taken by the advisory committee.
The result is growing confusion.
In my clinic, parents have begun asking questions I never heard before. Which vaccine schedule should we follow? Is this the schedule with all the vaccines or only some of them? Vaccination decisions are influenced by science but also by trust and consistency. When parents receive mixed messages, some begin to question whether vaccines are necessary at all. We have already seen the consequences of declining vaccination with measles.
For decades, hepatitis B vaccination protected American children from a virus that once infected thousands every year. Because the disease became rare, many parents and younger physicians have never seen its consequences firsthand.
If measles is a warning, hepatitis B could be next.
The lesson from the past is simple. When we stop using vaccines that work, the diseases they prevent come back.
Joshua Rothman is a pediatrician at UC San Diego Health and a clinical assistant professor of pediatrics at the UC San Diego School of Medicine.
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