A warming planet is making storms and wildfires more intense, and more destructive. That's making homeowners insurance more expensive and harder to find.Insurance companies are raising their rates because, they say, they need to cover increasing losses from extreme-weather-related property damage.This week the U.S. Department of Housing and Urban Development is holding a summit to address this spike in premiums. HUD Acting Secretary Adrianne Todman explains what the federal government is looking to learn.For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org.Email us at considerthis@npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy