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Texans pay some of the highest insurance premiums in the country, putting lawmakers under pressure to tackle rising costs.

The struggle is just beginning for many families in Balch Springs who woke up to find their homes flooded. A state of disaster has been declared in Dallas County after torrential rainfall flooded homes, stranded dozens of motorists on streets and highways that looked more like canals and delayed air traffic at local airports.

Wildfires and floods threaten tens of millions of properties in the U.S. But most Americans get little or no information about climate risks when they move.

One safeguard many people opt out of is flood insurance. This already powerful hurricane season has shown everyone the devastation rising waters can…