Environment

One- to Four-Family Properties with Multiple Losses Insured by the National Flood Insurance Program
What are the characteristics of properties that have experienced multiple flood losses (e.g., percentage of overall claims payments, number of losses, and structure characteristics)? What are the socioeconomic characteristics of multiple loss property (MLP) households and the communities in which they are located? What percentage of MLPs have been mitigated, what are the socioeconomics characteristics of neighborhoods where MLPs have been mitigated, and how effective has mitigation been in reducing risk?
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The Ground Is Deforming, and Buildings Aren’t Ready
There is a “silent hazard” lurking underneath our major global cities, and our buildings were not designed to handle it. With Chicago as a living lab space, Northwestern study links underground climate change to variations beneath urban areas.
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Florida’s Home Insurance Crisis Isn’t Going Away
It’s hard to make money selling home insurance in Florida. For one thing, the state is very vulnerable to hurricanes, and those hurricanes are getting stronger thanks to climate change. A legal loophole has made the state a hotbed for fraudulent litigation over insurance claims, and companies lose even more money fighting those lawsuits. And reinsurers are charging insurance companies much higher fees owing to climate change-driven disaster losses.
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Earth Just Had Its Hottest June on Record
The world just sweltered through its hottest June in the 174-year global climate record. Additionally, Earth’s ocean surface temperature anomaly — which indicates how much warmer or cooler temperatures are from the long-term average — were the highest ever recorded.
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Adapting to Wildfires in a Warming World
Recent wildfires in Canada and California offer a preview of a world made far more dangerous by climate change, one in which smoke and fire exact an ever-increasing toll on public health and the economy.
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Climate Change Is Increasing Stress on Thousands of Aging Dams Across the U.S.
There are more than 91,000 dams across the U.S., in all 50 states, with diverse designs and purposes. The average dam age is 60 years, and more than 8,000 dams are over 90 years old. The American Society of Civil Engineers’ report card for the nation’s infrastructure gave U.S. dams a “D” grade.
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As Unprecedented Rainfalls Occur More Frequently, What Can Be Done About the Resulting Flash Floods?
Record rainfall is wreaking havoc in northern India and New York state as flash floods inundate communities. Experts have called for better resilience through ‘weatherproofing.’
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Extreme Heat Will Cost the U.S. $1 Billion in Health Care Costs — This Summer Alone
Extreme heat — summertime temperatures and humidity that exceed the historical average — is being made more frequent and intense by climate change. High temperatures could lead to 235,000 ER visits and 56,000 hospital admissions for heat-related conditions annually.
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Climate Change Has Sent Temperatures Soaring in Texas
Hotter days and nights. More record highs. Climate change has shifted the entire range of Texas heat upwards. Heat is one of the deadliest consequences of climate change. It’s already the most dangerous type of weather, typically killing more people annually than hurricanes, tornadoes or flooding.
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As California Attempts a “Managed Retreat,” Coastal Homeowners Sue to Stay
“Managed retreat” is a climate adaptation policy that calls for relocating and removing coastal structures rather than protecting them where they are. Experts say managed retreat is an important last-resort option for adapting to climate change, but California’s early attempts to implement the policy have provoked a backlash from homeowners and politicians.
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Texas Farmers Are Worried One of the State’s Most Precious Water Resources Is Running Dry. You Should Be, Too.
The Ogallala Aquifer serves farming communities in multiple states. When it runs dry, the agriculture industry in Texas and the nation is in jeopardy.
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Why Insurance Companies Are Pulling Out of California and Florida, and How to Fix Some of the Underlying Problems
When the nation’s No. 1 and No. 4 property and casualty insurance companies – State Farm and Allstate – confirmed that they would stop issuing new home insurance policies in California, it may have been a shock but shouldn’t have been a surprise. It’s a trend Florida and other hurricane- and flood-prone states know well. Insurers have been retreating from high-risk, high-loss markets for years after catastrophic events. As losses from natural hazards steadily increase, research shows it’s not a question of if insurance will become unavailable or unaffordable in high-risk areas – it’s a question of when.
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Human-Caused Climate Change at the Center of Recent California Wildfires
Summer wildfire seasons in California routinely break records. The average summer burn area in forests in northern and central portions of the state have increased fivefold between 1996 and 2021 compared to between 1971 and 1995. In a new study, scientist and collaborators shows that nearly all the recent increase in summer wildfire burned area is attributable to human-caused (anthropogenic) climate change.
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Adapt or Retreat? Conference Will Explore Questions of Habitability in a Changing World
As sea levels rise, fires rage, and temperatures continue to increase around the globe, it is understood that certain areas may no longer be habitable in the not-so-distant future, and that people now living in these area will have to retreat to more accommodating areas — in what is called “managed retreat.” But what does it mean to be habitable? And who gets to decide what happens to these areas under threat?
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For Beleaguered Homeowners and Their Insurers, the Fire Next Time Could Be a Flood
The data-driven insurance business is in trouble as climate-change-driven disasters arrive with greater fury and frequency. Catastrophic losses are something that insurance companies have long planned and budgeted for. But not this many.
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