Home‑Insurance Crisis 2025: What Florida & California Buyers Must Budget For

WASHINGTON, D.C. — May 8 2025 Housing rarely gets bipartisan love on Capitol Hill, yet 2025 feels different: 1. Yes In My Backyard (YIMBY) Act – requires CDBG‑funded cities to report 22 anti‑exclusionary reforms; unanimously cleared House Financial Services last week. newdemocratcoalition.house.gov 2. Build More Housing Near

ST. PAUL / SACRAMENTO / DENVER — May 7 2025 Hotspot 2025 flashpoint Direction St. Paul, MN Council to vote this month on permanent exemption for post‑2005 builds; permits already ‑80 % since cap passed. oaicite:11 Likely loosen California Voters rejected Prop 33 (61 % No), preserving Costa‑Hawkins limits on local rent

SACRAMENTO — May 7 2025 California’s Department of Housing & Community Development (HCD) just released its January 2025 ADU Handbook, adding clearer statewide rules on height, side‑yard setbacks and fee waivers. Key California tweaks effective 1 Jan 2025 * Front‑setback cut to 10 ft. for detached ADUs. * Streamlined solar