This photo provided by KWTV shows a hail stone on June 2 near Vigo Park. The National Weather Service in Lubbock said they believe the stone, which measured more than 7 inches long, is a new state record.

Homeowners are facing some of the highest insurance cost in areas at high risk of catastrophic climate, a Chronicle data analysis shows.

Charred vehicles sit at an auto body shop after the property was burned by the Smokehouse Creek Fire, Feb. 28, in Canadian.

A photograph lays in the debris in Bear Creek on Nov. 15, 2017, in Houston.

Members of rap artist Trae the Truth’s Relief Gang cut apart limbs from a fallen tree from Hurricane Beryl, as the group traveled the city for the Trae Day Weekend Operation Cleanup efforts on July 20.

Search and rescue teams look for survivors in a former Dollar General after a tornado on June 22 in Matador. A line of severe storms produced what a meteorologist calls a rare combination of multiple tornadoes, hurricane-force winds and softball-sized hail in west Texas, killing at least four people and causing significant damage around the town of Matador, a meteorologist said.

Blaming insurance companies for high premiums is easy; solving the equation to bring them down is hard.

If you have homeowner’s insurance in Texas, your renewal notifications were shocking. If you don’t own, a rent hike is coming. My colleagues Megan Kimble and Caroline Ghisolfi recently took a deep dive into why and how higher insurance premiums are hurting the economy.

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