Homeowners insurance rates higher for y'all?

I was shocked at how much USAA jacked up my insurance rates this year and last year, this is just out of hand now. We have a 1330 sq. ft. home in the 38133 zip code.
2022 $2503
2023 $3017 <-say what?
2024 $4475 <-wtf?
I have ONE former claim for hidden water damage and one active for my utility weatherhead nearly coming off the house due to MGLW's negligence.
Their "justification" is higher rebuilding costs based on some fuzzy math.

Who are y'all with that is more reasonable for someone who RARELY files a claim?
Is being in Shelby county cause for higher rates? Sheesh! I have read all the car theft in the past few years have jacked up car insurance rates but this is the final nail in the coffin with USAA.

Oh, I DO have car insurance with them as well, 3 cars, full coverage.