Your story is quite perplexing to me. You know the full truth but have written half-truths (sorry). The fundamental problem is not profitability, insurance coverage, housing shortages, or anything of that ilk. The fundamental fact is that you can no longer build a home that will, statistically speaking, last the length of a mortgage (say 30 years). Insurance companies aren't leaving markets because they can't make a profit. They're leaving because they can't survive if they lose their capital.

There are two reasons for all these changes. #1, cheap fossil fuels have been mined and are getting more expensive because it's taking more energy to get energy (as you well know). #2, climate change is weakening if not destroying the home's construction or property. In short, you have have more to fix with less cheap energy to fix it with.

There is no legal or regulatory solution to this. This isn't about the government forcing insurers or banks to do this or that.

What happened to you is very simple. You lost your wealth to climate change. And you've chosen not to learn that lesson again ;)

We're all poorer. You get it. I don't know why you give people false hope that the government or "fairness" can fix it ;)