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

Refugees are often some of the people most vulnerable to climate change. After fleeing armed conflict or persecution, many refugees end up in camps located in rural areas, with few resources and little support. That can leave them vulnerable to floods, storms, extreme heat, or other impacts of climate change.

This episode focuses on these impacts, with insights from Ayoo Irene Hellen, a South Sudanese refugee in Uganda and climate advocate. She discusses her own experiences, those of her community, and the value of including refugee voices in planning.

Want to dive deeper? Listen to an earlier episode speaking with the UN refugee agency’s special advisor on climate action: https://mpichangingclimatechangingmigration.podbean.com/e/no-climate-refugees-but-still-a-role-for-the-un-refugee-agency/

All of MPI’s work on climate migration is here: https://www.migrationpolicy.org/topics/climate-change

00:00 Intro

02:45 Climate impacts on refugee settlements in Uganda

09:32 Legal and socioeconomic barriers to climate adaptation

16:52 Exclusion of refugees from climate policy processes

19:21 Refugee-led community resilience strategies

23:11 Climate challenges upon return: The case of South Sudan

27:24 Closing thoughts: co-creation and refugee inclusion

Many Indigenous people have a deep connection to their ancestral homelands that dates back centuries. What happens when climate change and other factors force them to move away from those lands? This episode discusses issues affecting Indigenous people, especially in the Americas. Our guest is environmental scientist Jessica Hernandez, a climate justice and Indigenous advocate. She discusses the factors compelling migration for Indigenous communities, their experiences after migration and the dearth of Indigenous voices in policy discussions over climate change and migration.

Africa may be the most climate-vulnerable region of the world, with drought, extreme heat and storms, and other impacts affecting millions across the continent. These environmental events have forced people from their homes and in some cases even contributed to conflict between different groups. By far, most climate-affected individuals who migrate stay either within their own country or go elsewhere on the continent, rather than migrating beyond Africa.

How prepared is the continent for a future of increased displacement? Governments are making some strides to accommodate displaced people—although there is often a gap between official rhetoric and the realities on the ground. This episode discusses climate-linked migration issues across Africa with Aimée-Noël Mbiyozo, a senior research consultant at the South Africa-based Institute for Security Studies.

It is not guaranteed that someone harmed by a natural disaster or other environmental change will leave their home. A complicated web of factors affects whether climate-vulnerable individuals want to—or even can—move. One of these factors is financial: How much money or other resources someone has at their disposal.

In this episode, we speak with Kelsea Best of The Ohio State University about climate (im)mobility and the economic and other factors that help shape futures amid changing climates. We also discuss the notion of “climate gentrification,” which occurs when wealthier people move into traditionally lower-income neighborhoods that are better shielded from natural disasters and other environmental harms.

Children are especially vulnerable to displacement linked to climate change. Each year, millions of young people are displaced by weather-related disasters, as schools and other services break down and adults send children away to find safety. Forced from their homes, children often face new challenges, including being unable to access education or medical care, and even heightened risk of violence and other dangers. Despite the unique challenges that children face in displacement, there are relatively few international laws or systems particularly designed to assist those forced to move because of environmental factors. We speak with UNICEF’s Laura Healy about this reality and the opportunities to better protect children in a warming world.

Within the next few decades, rising sea levels could wipe some small Pacific Island nations off the face of the earth. The prospect that the physical territory of countries such as Kiribati and Tuvalu is no longer habitable raises the prospect that their nationals could lose their citizenship, becoming stateless. It also poses profound questions for international law and the obligations of other countries.

How likely is this possible outcome, and what can countries do to protect their sovereignty and their citizens? Join our discussion with Mark Nevitt, an international law scholar at the Emory University School of Law.

It is no easy task to say with certainty that a particular storm, drought, or other extreme weather event causes human displacement, or that those individual events are due to human-caused climate change. Hurricanes, wildfires, mudslides, monsoons, and other sudden-onset events, as well as slow-onset ones such as drought, extreme heat, and sea-level rise, have happened for millennia. To attribute specific impacts to human-made environmental change requires scientists to parse through years of data and pattern detection. In this episode, we speak with climate scientist Lisa Thalheimer, of the International Institute for Applied Systems Analysis, to explain how experts untangle the connections between climate change and migration.