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It’s official: This has been a record-breaking year for severe weather. Among its legacies, unsurprisingly, could be higher costs to insure your home in 2022. The weather data for 2021 is truly dire. According to the National Oceanic and Atmospheric Administration, the U.S. endured an unprecedented 18 weather disasters that each caused more than $1 billion in property damage. And the NOAA list isn’…