When you're shopping for a home, it's easy to focus on the big numbers: the purchase price, down payment, mortgage rate, and estimated monthly payment. But there's another number that can have a major impact on what that home actually costs you each month: insurance. Recent housing research shows that a significant portion of homes across the country face elevated risks from events such as flooding, severe winds, hurricanes, and wildfires. And while a home in a higher-risk ar