 New data shows a growing portion of the U.S. is becoming unaffordable for people looking to buy a home. And just as concerning, getting home insurance in some climate disaster prone states like California and Florida is becoming difficult as major insurance companies pull some of their coverage options. So what does this all mean for homeowners and prospective buyers? Joining me right now for more is CBS News contributor Javier David. So what are some of the factors impacting affordability in the housing market right now?