This is happening faster than most people realize, and could become a stampede.

In areas at increased risk from wildfire and flooding, Insurers are quietly jacking up rates, or refusing to write policies.
Climate gentrification already beginning to leave behind those who can’t afford to move – and might eventually become refugees.

New York Times:

Insurers are quietly reducing their exposure to fire-prone regions across the Western United States, putting new pressure on homeowners and raising concerns that climate change could eventually make insurance unaffordable in some areas.
Officials in California, Washington, Montana and Colorado are getting more complaints from people whose insurance companies have refused to renew their coverage. The complaints follow years of record-setting wildfires in both size and cost, a trend that scientists expect to continue as global warming accelerates.
“I think that we are not far away from a lot of weather-related events being too expensive…