A resolution recognizing the strong link between climate change and skyrocketing insurance premiums.

This Senate resolution (SRES 554) recognizes the established connection between climate change and rising home insurance costs in the U.S. It cites data showing insured disaster losses have increased 1,000% since 2000 (to over $100 billion annually) and insurance premiums have more than doubled since 2013, with some states averaging over $14,000 yearly. The resolution states that climate-driven natural disasters are driving these costs, which now exceed 20% of mortgage payments in many areas. It does not create new laws or policies but formally acknowledges this issue for public awareness.