2+ day, 6+ hour ago (1596+ words) A for-sale sign is displayed on a roadside in October, in Lafitte, La., where high insurance costs have driven residents to sell. Changes in the insurance market have started to affect home prices in the most disaster-prone areas, new research finds, pushing some homeowners" finances to the breaking point. (Emily Kask/The New York Times) Even after she escaped rising floodwaters by wading away from her home in chest-deep water during Hurricane Rita in 2005, Sandra Rojas, now 69, stayed put. A fifth-generation resident of Lafitte, Louisiana, a small coastal community, she raised her home with stilts. But this year, her annual home insurance premium increased to $8,312, more than doubling over the past four years. She considered selling, but found herself in a dilemma. As insurance costs have risen, area home values have fallen, dropping by 38% since 2020. The roadsides around her house…...