Rising property insurance costs are jeopardizing the affordable housing sector in the United States, particularly impacting nonprofit organizations that rely on public and charitable funding to build or rehabilitate homes for low-income residents. Insurers cite rising natural disaster frequency, increased home prices, and higher labor and material costs as the reasons for these premium increases, especially in states prone to severe weather. Developers warn that this financial strain could lead to reduced affordable housing availability, exacerbating an already critical housing shortage. In response, housing authorities are exploring potential funding solutions to alleviate insurance costs while developers are advocating for stronger construction codes and greater transparency from insurers.