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The Insurance Industry's Climate Reckoning

The Insurance Industry's Climate Reckoning

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In this episode of Climate Economics with Fexingo, Lucas and Luna drill into one specific number: the 45 percent increase in home insurance premiums in Florida over the past two years — and what it signals about the broader economy. They trace how rising temperatures and more frequent extreme weather are forcing insurers to raise rates, drop coverage, or even leave states entirely. The hosts unpack the concept of 'climate redlining,' where insurers refuse to write policies in high-risk areas, and discuss the knock-on effects on housing markets, municipal bonds, and the federal flood insurance program. They also explore the growing role of catastrophe bonds as an alternative risk-transfer tool and ask whether regulators are equipped to handle the systemic risk. With specific examples from California, Florida, and Louisiana, this episode shows how the climate crisis is already reshaping the property insurance market — and why it matters for homeowners, investors, and policymakers alike. #Insurance #ClimateRisk #PropertyInsurance #Florida #California #Louisiana #Premiums #ClimateRedlining #CatastropheBonds #FloodInsurance #NFIP #ExtremeWeather #Homeowners #HousingMarket #Regulation #Economics #Business #FexingoBusiness Keep every episode free: buymeacoffee.com/fexingo
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