Part of the problem is that many of the states where insurance companies are leaving have rules that limit what they can charge. That sounds good in principle, but with climate change causing these disasters to happen more often the insurance companies are bleeding money. Ultimately insurance as an industry can’t work if you keep having losses, and if you can’t increase prices to cope then you have no choice but to withdraw.

I’ve sure State Farm is happy to cover catastrophe-prone areas, but only if they won’t lose money on average.

I think they are house rules, but a majority of Congress can changes those rules at any time. So if Democrats take the house they can just reverse it as part of installing a new speaker.

It’s been a while since I’ve read about this but my understanding is that many people in rural areas will lack the documentation showing that they’ve always lived in India and have citizenship. Basically, this would let the government then start questioning people’s citizenship and effectively pretend that many rural Muslims are illegal immigrants while allowing Hindus without documentation to be unaffected.