The U.S. property market is losing its traditional stability as rising insurance premiums and environmental volatility rewrite the rules of homeownership. - - In some high-risk regions, monthly escrow payments are now outpacing the actual mortgage payment.

- Features like wind-resistant roofs or elevated foundations can lower insurance costs and increases property desirability.

- Property value is moving away from "the view" and toward structure resilience scores—using granular data to ensure a home can withstand future disasters.

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