Problem is you need to price it into the taxes. So the alternative is a mandatory insurance that is done indirectly through taxation.
Now who gets to pay these taxes and who manages to dwindle out of it, using deliberately planted loopholes?
For insurance it is normal that your rate corresponds to your risk. For taxes or social insurance that is not the case. Why should i pay for other people enjoying living dangerously near the sea, in river flooding areas or the like? If i move to such a place, why should others pay for me? What about houses that are built improperly or where protective measures have been neglected?
It is certainly possible to create some sort of public weather insurance. But it has to go along with forcing people to properly build and maintain their houses as well as driving them out of areas, impossible to maintain housing in under climate change. This too will be deeply unpopular.
I think properly regulating insurance businesses is the more frutiful way of going about this.
You could work to dismantle the system. Heck, if people had joined the uncommitted movement instead of attacking it for their establishment overlords, the Democratic party could have been pushed to offer a candidate against genocide and for genuine social policies.
But people let themselves get gaslighted and happily rallied around their party leaders, despite getting fucked by them.