text:  This is Marketplace. I'm Kai Risdahl. Climate change in its various manifestations. Wildfires out west. Hurricanes and coastal flooding in the southeast and along the Gulf Coast, probably the most common. It is wreaking no small amount of havoc with the home insurance market. Premiums are skyrocketing and big insurance companies are pulling out of some markets. California and Louisiana, that's just two examples. That's hitting homeowners all along the wealth and income spectrum, but particularly hard...