Every year, more people across the United States experience climate disasters, forcing them to leave their homes, lose their belongings, and be separated from jobs and family. Meanwhile, home insurance markets are in a mounting crisis– and leaving people across the country behind
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Every year, more people across the United States experience climate disasters, forcing them to leave their homes, lose their belongings, and be separated from jobs and family. Meanwhile, home insurance markets are in a mounting crisis– and leaving people across the country behind. Media and policy makers are attuned to this crisis, but most are not offering analysis and solutions that address the core issue: how we ensure safe, accessible, and affordable housing in a time of increasing climate change-driven disasters.
Our new research outlines overlaps in insurance prices, housing costs, climate risk, and socioeconomic factors at national and state levels; provides critical analysis of prevailing industry narratives; offers a comprehensive policy proposal that aims to provide protections for homeowners and renters, meet the moment of a rapidly changing climate, and contribute to climate solutions rather than to the climate crisis.
Our analysis dives into case studies in California, Florida, and Minnesota, yet finds that no state is truly risk free in a climate-changed future.@en
