Home insurance has never been more expensive: across all fifty states, rates are skyrocketing faster than home prices and economy-wide inflation, draining homeowners of billions of dollars in premiums amid rising policy cancellations — especially as insurers turn to artificial intelligence to determine risk.

As the Lever reported last year, the process for handling the financial risks of homeownership is breaking down as the planet melts: insured losses from natural disasters in the United States now approach $100 billion a year, up from less than $5 billion in 2000.

Since 2008, homeowners have seen their insurance costs increase 74 percent, and in the last three years alone, premiums rose twice as fast as inflation, totaling $21 billion in additional insurance payments. During this period, premiums increased in 95 percent of American zip codes. While homes in disaster-prone states like Florida and California remain the most expensive to insure, the biggest premium increases occurred in Arizona, Illinois, Pennsylvania, and Utah.