This aerial view shows residential lots cleared after homes were destroyed in the January 2025 Eaton Fire beside homes that are still standing in Altadena, Calif. ROBYN BECK/AFP via Getty Images/AFP hide caption toggle caption ROBYN BECK/AFP via Getty Images/AFP Even as homeowners face more extreme weather like recent wildfires, floods and tornadoes, millions of them are foregoing home insurance , often due to soaring costs. When homeowners lack adequate coverage, families and entire communities are exposed to profound financial risks as disasters strike. NPR wants to hear about your experiences with home insurance companies, as well as the decisions you're making about coverage as premiums rise. Your submission will be governed by our general Terms of Use and Privacy Policy . As the Privacy Policy says, we want you to be aware that there may be circumstances in which the exemptions provided under law for journalistic activities or freedom of expression may override privacy rights you might otherwise have.…