Category: Climate
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Homeowners insurance is collapsing in climate-exposed states and nobody has a plan
Insurers are leaving Florida, California, and Louisiana faster than the housing market can absorb. The collapse of climate-exposed coverage has no real fix in sight.
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Flood insurance through FEMA subsidizes building where nobody should build
The National Flood Insurance Program subsidizes construction in places that flood repeatedly. The result is a policy that worsens the risk it was created to manage.
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Weather risks are underestimated
We treat weather as background noise until it kills us. Insurance, planning, and personal preparation all systematically underweight what data has been showing for years.