“Insurers” are happy to join the “climate change” political bandwagon - anything to boost the perception of risk and their premiums.
If insurance risks are rising in certain states it is probably due to larger populations with more assets exposed to risk, as opposed to more events causing damage. There is little to support theories of increased severe weather events, the only verifiable aspect of climate change is that nights are getting warmer and generally speaking that is a social benefit (reduced heating costs).
Floods and hurricanes were always part of the scenario in high risk states, but now there are a lot more people with expensive real estate and vehicles in the path, as compared to past decades. You would think with more potential clients, insurance companies could keep up but they claim otherwise (an irony, insurance companies making dubious claims).