Gabriel Gomez, 46, helps clean up a homes within the West Houston Mobile Home Community that was recently destroyed by Hurricane Beryl on Thursday, July 18, 2024 in Houston. This community had also been hit hard by the previous storm, El Derecho, leaving many with not enough time to prepare for Hurricane Beryl.

Fire officials from Lubbock, Texas, help put out smoldering debris of a home destroyed by the Smokehouse Creek Fire, Thursday, Feb. 29, 2024, in Stinnett, Texas. (AP Photo/Julio Cortez)

A destroyed home is seen the day after Hurricane Beryl made landfall nearby Tuesday, July 9, 2024, in Sargent.

Driss Lassile walks through his belongings destroyed by floodwaters from Tropical Storm Harvey after volunteers from Habitat for Humanity helped clean out his flood-damaged home on Saturday, Sept. 2, 2017, in Houston.

Darlene Freehauf, 27, second from left, talks with Esther Morales, 53, and her husband Albert Morales, 54, by Freehauf’s destroyed mobile home off County Road 548 southeast of Hondo, Texas, Thursday, April 29, 2021. The mobile home was picked up flipped upside down about 30 feet by what they said was a tornado. Large hail, high winds and a possible tornado hit the area in a series of storms Wednesday night into early Thursday morning.

Texas homeowners’ insurance rates are rising fast, and there is little the Texas Legislature or anyone else can do to slow them down.

Average premiums for Texans have jumped 43% since 2023 and will rise about $500 this year, according to Insurify, an insurance comparison shopping website. That’s only the beginning.

Insurance giant Swiss........

© Houston Chronicle