Homeowners' insurance isn't just getting more expensive ... it's also getting harder to secure in the first place. Across the country, an increase in climate-related disasters like heat waves, wildfires and hurricanes is creating challenges for both insurers and their customers. One successful strategy taking hold in Alabama and other states: Climate-proofing houses — and incentivizing it with insurance discounts.

Still, not all states or homeowners face similar risks. And insurers aren't legally required to take climate-proofing into account when assessing the insurability of a home. That's why states are experimenting with different programs — and insurance legislation — to find a solution.

This episode is part of NPR's Climate Solutions Week: a series of stories covering real world solutions for building, and living, on a hotter planet.

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