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Which areas? There's almost nowhere that coverage won't be a problem because of climate change within the next decade.
There are areas that will be much worse. In Minnesota we will see some issues but trust me, we basically won’t see massive flooding. The tornadoes might and probably will get worse but we won’t see entire towns removed because of flooding or massive fires. Iowa, North and South Dakota, Wisconsin will also be fine.
It’s low lying coastal area that will get crushed. Also going to (for example) the East side of California could be problem areas. We will have to live in a smaller section of area.
Not sure who downvoted you though
Tornadoes have definitely destroyed entire towns. And recently. So I would say Minnesota is at risk from that.
https://en.wikipedia.org/wiki/2021_Western_Kentucky_tornado
As for who downvoted me... probably some idiot who doesn't believe in climate change.
Fair enough entire towns have been wiped out. Can't argue that but on the big picture side of things, I'd say coastal areas are going to get hit way worse
Way worse for sure. I'm just pointing out that almost everywhere will have to deal with climate disasters bad enough that it will destroy the home insurance industry.