Firstly...

Bankers never lie about money.

That's hilarious. Bankers lying and taking risks with mortgages is literally how the 2008 recession happened. And I guarantee you they didn't learn a thing from it, besides that they can be bailed out.

Insurers are the risk adverse ones.

Their entire business strategy depends on never paying out more than they get from you. And to do that they hire best of the best, cream of the crop scientists, mathematians, and statisticians to put together data just like this to determine how much they need to charge you to meet their profit margin based on your risk factors.

There's no way they'd miss the biggest single risk factor this century from their data. So if they're charging more, you bet there's good reason for it.

Ok but that chart is about insurance premiums, not home loans, and also shows landlocked states rising just as much....