House flooded

To be fair, my escrow increase has hardly been “small”.

Flood insurance is up, but also homeowners is up, and property taxes are up due to increases in property values.

My monthly mortgage payment is over $500 more than it was when I bought the house in 2018 for $160k.

Escrow now makes up more than a third of my payment on a 15-year mortgage.

I can afford the increase, but I imagine a lot of people are having to make tough decisions these days.

The replacement cost of your home has increased drastically. That is a huge component of the cost of insurance.

Sucks to insure, but great for equity.