Climate change is making home insurance more expensive and less available, as the multibillion-dollar losses caused by hurricanes, wildfires, and other disasters increase in scale. Rising insurance premiums can push some people to relocate or force others to either pay more money to remain in their home or go without insurance and risk catastrophe if disaster strikes. Residents, insurance companies, and policymakers in high-income countries are beginning to reckon with these issues and are working to find a way to adequately offset risk without charging exorbitant prices. This episode features Talley Burley, who analyzes climate risk and insurance at the Environmental Defense Fund.

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Chapters

02:17 How Climate Change Is Raising Insurance Costs

06:04 Hazards Driving Insurability Concerns

07:38 Insurance Costs as a Driver of Migration

09:49 Climate Entrapment and Equity Issues

15:13 Policy Solutions: Adaptation, Building Codes and Wraparound Services

18:52 The National Flood Insurance Program: Origins and Trade-offs

26:00 Hurricane Sandy: Lessons in Recovery and Relocation

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