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Europe's Climate Risk Is Exposing a Hidden Insurance Gap — And Homeowners Could Pay the Price. Immigrants.live Analysis | November 4, 2026 Is Your Home Still Insurable? Europe's Climate Insurance Gap Europe's housing market faces a risk that many homeowners, buyers and renters rarely consider when choosing where to live: the growing possibility that natural disasters could leave their property inadequately insured. Floods, wildfires, storms and extreme heat are creating mount