Support WBURWhy home insurance is unaffordable, even in places without wildfires or hurricanesPlay04:32Download AudioRebecca HersherNovember 13, 2025 ShareA hailstorm damaged virtually every building in the small town of Cozad, Neb. in June 2024. More than a year later, Baltazar Avalos is still working to fix damage to his home. (NPR)