How a Single Windstorm Sent Insurance Rates Soaring in 2026

Hosts Lucas and Luna break down the surprising economics behind commercial real estate insurance in mid-2026. They zoom in on a specific case: how a single March windstorm in Dallas triggered a 30% rate hike across Texas office towers, even for properties that saw no damage. The episode explains the role of reinsurance pricing, the secondary peril model, and why landlords in Chicago are now paying for Florida hurricane risk. Lucas walks through the math on a typical suburban office building where premiums jumped from $180,000 to $234,000 annually. The hosts also explore how underwriters are using climate models to price per building, not per region. A concrete look at how climate risk is reshaping operating expenses in commercial real estate. #CommercialRealEstate #PropertyInsurance #ClimateRisk #Reinsurance #TexasWindstorm #InsuranceRates #RealEstateInvesting #OperatingExpenses #Underwriting #BusinessPodcast #FexingoBusiness #RealEstatePodcast #LucasAndLuna #SecondaryPeril #Premiums #DallasStorm #OfficeTowers #ClimateModels Keep every episode free: buymeacoffee.com/fexingo