Buying a home is already so expensive in America, but climate change is poised to make it much worse—even if you don’t live in the path of a hurricane. This week on How We Got Here, Max and Erin take a look at Florida to understand the thorny problem of insuring a home in a warming world. They break down how the insurance system is trying to account for ever-increasing risk, and explain why people keep moving to the places that are hardest hit by climate change.