From hailstorms and flash floods to wildfires and tornadoes, Texans are no strangers to extreme weather. But while storms may last only a few hours, their impact can linger for years through rising insurance costs and changing policy terms.

The impact of severe weather is not only physical. It can also hit wallets hard, especially if a roof needs fixing.

As major storms, tornadoes, hurricanes, and floods continue to hit Texas, insurance prices are rising throughout the state. A local insurance agent spoke with KSAT to explain what's causing the increases.