Are flood zone property insurance costs rising as fast in coastal states as the news claims, and how does it impact affordability?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are flood zone property insurance costs rising as fast in coastal states as the news claims, and how does it impact affordability?
3 real searches · 1 real-search pass
2026 2025 coastal states flood insurance premiums rising affordability NFIP Risk Rating 2.0 analysis Treasury homeowners insurance costsGoogle ↗
OBSERVEDConsequence
2026 flood insurance affordability coastal housing affordability premiums Florida Louisiana Texas North Carolina reportGoogle ↗
OBSERVEDReason
2026 homeowners insurance premiums coastal states climate risk Treasury report 2025 2026Google ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 2025 coastal states flood insurance premiums rising affordability NFIP Risk Rating 2.0 analysis Treasury homeowners insurance costs Google ↗
2026 flood insurance affordability coastal housing affordability premiums Florida Louisiana Texas North Carolina report Google ↗
2026 homeowners insurance premiums coastal states climate risk Treasury report 2025 2026 Google ↗
- GAO-26-107867, HOMEOWNERS INSURANCE: Premiums Generally Tracked Inflation but Rose More in Disaster-Prone Areas · files.gao.gov
- Homeowners Insurance: Premiums Generally Tracked Inflation but Rose More in Disaster-Prone Areas · gao.gov
- everycrsreport.com · everycrsreport.com
- GAO-26-109045, FLOOD RISK MITIGATION: Reducing Fiscal Exposure and Improving Affordability · files.gao.gov
- Property Insurance Affordability · urban.org
- Texas homeowners pay high insurance costs, face rising premiums · dallasfed.org
- GAO-27-108012, FLOOD INSURANCE: Congressional Action Could Help Increase Coverage for At-Risk Properties · files.gao.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 2025 coastal states flood insurance premiums rising affordability NFIP Risk Rating 2.0 analysis Treasury homeowners insurance costs OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 flood insurance affordability coastal housing affordability premiums Florida Louisiana Texas North Carolina report OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 homeowners insurance premiums coastal states climate risk Treasury report 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |