Colorado, like the rest of the country, is experiencing more, and worse, climate disasters, wreaking havoc on people’s homes — and their homeowner’s insurance rates.

In the wake of devastating hail storms and massive wildfires, Coloradans face rising premiums, less choice and availability, and in some cases, getting dropped by insurers altogether. The state is now one of the top ten most expensive in the country for homeowners insurance. And escalating the issue is climate change.

CPR’s Bente Birkeland and Rocky Mountain PBS’ Andrea Kramar look at what’s happening with the home insurance market in Colorado, and what state lawmakers are trying to do to make sure that, when the flames approach or the hail falls, Coloradans don’t lose everything.

Plus stay tuned for a full-length documentary on this reporting. “Undercovered” airs on Rocky Mountain PBS Thursday, Jan. 15 at 7 p.m. MST, and will be available to stream on the free RMPBS+ app and Youtube.

Purplish is produced by listener-supported CPR News and the Capitol News Alliance, a collaboration between KUNC News, Colorado Public Radio, Rocky Mountain PBS, and The Colorado Sun, and shared with Rocky Mountain Community Radio and other news organizations across the state. Funding for the Alliance is provided in part by the Corporation for Public Broadcasting.

Purplish’s producer is Stephanie Wolf. Sound designed and engineered by Shane Rumsey. Theme music is by Brad Turner. CPR’s executive producer of podcasts is Megan Verlee.

Colorado’s homeowner’s insurance on shaky ground