How climate risks are driving up insurance premiums around the US – visualized | ‘Tight correlation’ between premium rises and counties deemed most at risk from climate crisis, experts say

I think that band of red around the Gulf of Mexico is long lasting effects of increased hurricanes.

There is increased awareness of how the background death rate massively increases for decades after each major storm

https://www.nytimes.com/2024/10/02/business/economy/hurricane-helene-deaths-climate.html?unlocked_article_code=1.PE4.de6X.YoK0IMoMNaNt

So more long term care, more hospice and more benefits being paid out