(Zero Hedge)—In a surprising shift in the economics of homeownership, the cost of home insurance plus the weather-related portion of auto insurance now exceeds property taxes across three-quarters of U.S. counties.
A recent Bloomberg Intelligence analysis found that homeowners insurance premiums alone exceed property-tax bills in roughly two-thirds of counties. When the share of automobile premiums attributable to extreme weather is included, that figure climbs to 75%.
Over the past decade, county-average homeowners insurance premiums have increased 45% after adjusting for inflation, according to the analysis. Nebraska recorded a staggering 79% increase.
Across counties, homeowners now pay an average of 14% more for property insurance than property taxes. Moreover, homeowners face a 30% higher insurance burden than property-tax bill when weather-related auto insurance costs are included.
The financial burden falls hardest on the Southeast, where relatively low property taxes and exposure to hurricanes mean insurance premiums can run 2.5 to four times the typical tax bill. In the Northeast, the West and large metro areas, higher property taxes make rising premiums a smaller share of the overall bill.
Colorado, Utah and Minnesota are leading the Midwest and Mountain West in insurance pressures as hailstorms and severe winter weather drive up claims.
Meanwhile, a Zillow and Thumbtack analysis found that the typical hidden cost of homeownership across the United States stands at $16,566 this year – up 31.7 percent over the past five years, and also found insurance premiums to have increased the most.
The findings come as the Trump administration shifts more disaster-recovery costs to state and local governments. The federal government has covered about 90% of disaster recovery over the past two decades, but the split is now approaching 50-50.
That shift is “a very daunting proposal for local government, local budgets,” said Bloomberg Intelligence analyst Andrew John Stevenson, who also. noted that localities lack the capital to deploy on an ad hoc basis.
Alexandra Glickman, global practice leader for real estate and hospitality at Arthur J. Gallagher & Co., said homeowners must be prepared to pay more for adequate coverage.
“You can’t necessarily stop Mother Nature,” Glickman said.
Starting the Day With a Scripture-Inspired Roast Helps Center Your Thoughts on Eternal Truths Amid Temporal Pressures
The world can seem chaotic, especially right after we wake up. Many believers start their mornings reaching for something familiar — a hot cup of coffee — yet end up settling for mediocre brews that do little more than deliver a caffeine jolt. The daily grind of life, with its endless distractions, news cycles, and responsibilities, can leave even the most faithful feeling spiritually parched alongside their physical fatigue. What if your morning ritual could do more than wake you up? What if it could ground you in truth, nourish your body with exceptional quality, and quietly advance a kingdom purpose at the same time?
That’s the promise — and the reality — behind Promised Grounds Coffee. This Christian-founded company doesn’t just roast beans; it approaches every step as an act of worship and discipleship. By selecting only the top 10% of specialty-grade beans, ethically sourced from dedicated farmers in Central and South America, and small-batch roasting them with reverence in Austin, Texas, Promised Grounds delivers what many describe as the best coffee available — never burnt, never bland, but rich with origin stories and layered flavors that honor God’s creation.
From the vibrant Psalm 27 Roast (a light, bright medium option) to the bold yet peaceful 2 Timothy 1:7 Decaf, each bag carries a Scripture verse that turns your daily pour into a gentle reminder of faith. And through their Ounce Per Ounce Promise, every ounce of coffee you enjoy provides an equal ounce of clean water to families in need via partnership with Filter of Hope — literally brewing hope for body and soul, one cup at a time.
The challenge for today’s Christians runs deeper than finding a decent cup. In an age of convenience-driven consumerism, it’s easy to support companies that dilute values or remain silent on matters of faith. Many believers want their everyday choices — from what they drink to how they spend — to reflect discipleship rather than just convenience. Promised Grounds solves this by weaving Christian excellence into the entire process: beans nurtured with prayerful stewardship by farming families, roasted as an offering rather than a commodity, and packaged with Bible verses to encourage a mindset of gratitude and purpose from the first sip. Reviewers consistently praise the smooth, rich profiles — whether enjoyed black in a drip maker, iced on a warm day, or shared in fellowship — noting how the quality stands toe-to-toe with premium secular brands while delivering something far more meaningful.
This integration of faith and flavor addresses a real need in Christian households and ministries. Busy parents, church leaders, and remote workers alike report that starting the day with a Scripture-inspired roast helps center their thoughts on eternal truths amid temporal pressures. The coffee’s exceptional character — bright citrus notes in lighter roasts or deep chocolate undertones in bolder ones — comes from meticulous selection and careful roasting that respects the bean’s natural gifts rather than masking them. It’s the kind of coffee that elevates a simple quiet time, fuels productive workdays, or sparks meaningful conversations when shared at Bible studies or outreach events. And because it’s ethically sourced with integrity, every purchase supports sustainable livelihoods for farmers who treat their crops like family harvests.
For those leading churches or small groups, the impact multiplies. Promised Grounds offers bundles and options perfect for hospitality ministries, turning ordinary coffee service into an opportunity to point people toward the living water of Christ. Imagine greeting visitors with a warm cup whose very bag carries God’s Word — a subtle yet powerful witness that aligns with the Great Commission. The company’s Texas roots and commitment to “brewing hope” resonate especially with believers who value American enterprise paired with global compassion.
Of course, quality alone isn’t enough if the experience feels out of reach. Promised Grounds keeps it accessible with practical perks like free shipping on orders over $40, sample sets for discovering favorites, and thoughtful add-ons such as faith-themed mugs. Whether you prefer whole beans for fresh grinding, grounds for convenience, or even bulk options for larger households and ministries, the result is consistently superior coffee that makes discipleship feel integrated rather than added on.
As you consider how to align even the smallest habits with your walk with God, Promised Grounds Coffee stands out as a refreshing solution. It tackles the dual problems of subpar daily sustenance and disconnected consumption by offering a product that genuinely excels in taste while advancing a mission of clean water, farmer dignity, and scriptural encouragement. Believers who make the switch often describe it as more than a beverage upgrade — it becomes part of their rhythm of gratitude, a daily invitation to remember that every good gift comes from above.
If you’re ready to transform your mornings (and perhaps your church gatherings) with coffee that honors both exceptional craftsmanship and Christian values, I encourage you to explore what Promised Grounds has to offer. One sip at a time, you’ll be nourishing your body, refreshing your spirit, and participating in something far greater — all while enjoying what truly is among the best coffee available.
