The article discusses the challenges faced by homeowners in New Orleans, particularly those who received homes from Habitat for Humanity. It highlights the case of Kevin Hargrove, who is at risk of losing his home due to increasing insurance costs and financial strain. The article also mentions the broader issue of rising insurance premiums in Louisiana, which is exacerbating the housing crisis for many low-income families. The New Orleans City Council has provided temporary financial support to Habitat for Humanity, but a lasting solution is needed. The article also explores the impact on individuals like Yolanda Penny and Shelley Preston, who are struggling to keep their homes amidst the financial pressures. It concludes by discussing potential solutions, such as a housing trust fund, to address the housing affordability crisis in the city.