Terror / Disaster insurance

DISASTERSYou’ve Heard of Climate Change. What Is the Climate Debt Doom Loop?
By Cynthia McCormick Hibbert
The low-cost way for municipalities to fund responses and preparedness for the floods, fires and other disasters.
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RESILIENCE INSURANCEBuilding Climate Resilience Through Insurance Incentives
By Chesang Rotich
Insurance does not have to be just a payout after a tragedy. When designed thoughtfully, it can act as a lever for resilience.
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DISASTER INSURANCECalifornia’s “Last Resort” Property Insurer Seeks Rate Hike, Ringing National Alarm Bells
By Alex Brown
In recent years, hundreds of thousands of Californians have purchased home insurance from a state-managed “last resort” insurance pool that has grown rapidly as private insurance companies have fled the market. Now, this last-resort insurance plan is seeking an average 36% rate hike.
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TERRORISMFrom TikTok to Terrorism? The Online Radicalization of European Lone Attackers since
By Nicolas Stockhammer
The October 7, 2023, Hamas attack on Israel marked a pivotal moment not only in Middle East security policy but also in the global Islamist and particularly jihadi propaganda landscape. The ensuing digital “victimhood-revenge” narrative rapidly spread across platforms like TikTok, fueling a new wave of radicalization among adolescents in Europe.
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DISASTERSAs Wildfires Intensify, Utilities Want Liability Protections. But Then Who Pays?
By Alex Brown
As climate change drastically increases the frequency and severity of wildfires, power companies say they’re facing growing risk for payouts that could bankrupt them or require massive rate hikes on customers.
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SCHOOL VIOLENCEStrengthening School Violence Prevention
By Brian A. Jackson, et al.
Violence by K-12 students is disturbingly common. Ensuring that schools have effective ways to identify and prevent such incidents is becoming increasingly important. Expanding intervention options and supporting K-12 school efforts in Behavioral Threat Assessment and Management (BTAM) would help.
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DISASTER INSURANCEMississippi River Towns Pilot New Insurance Model to Help with Disaster Response
By Delaney Dryfoos and Eric Schmid
The pilot will test parametric insurance, which pays out quickly after agreed-upon “triggers”–such as wind speeds or river heights –reach a certain level.
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DISASTER INSURANCEAs Trump Mulls His FEMA Pick, a Political Land Mine Awaits in Florida
By Jake Bittle
Florida may also present Trump with one of his thorniest political challenges: FEMA is hiking insurance rates and punishing flood-prone construction in the president-elect’s favorite state.
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DISASTER-INSURANCE CRISISAmericans Face an Insurability Crisis as Climate Change Worsens Disasters – a Look at How Insurance Companies Set Rates and Coverage
By Andrew J. Hoffman
When home insurance averages $2,377 a year nationally, and $11,000 per year in Florida, this is a blow to many people. If affordability and relevance of insurance continue to degrade, real estate prices will start to decline in exposed locations. This will be the most tangible sign that climate change is driving an insurability crisis that disrupts wider financial stability.
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WILDFIRES & INSURANCEIn Wildfire-Prone Areas, Homeowners Are Learning They’re Uninsurable
By Lois Parshley
Wildfires cause billions in home damage every year – and they are not only a problem in the U.S. West. Close to a quarter of the Americans now at risk of catastrophic wildfires live in the eastern half of the country, in places that may not be prepared to respond. Now, insurers no longer want to take on the risk.
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CONSPIRACY THEORIESOur Brains Are Hardwired to Believe Lies and Conspiracy Theories, Research Shows
A new book analyzes the speeches of dictators including Mussolini, Stalin, Putin and Hitler, as well as prominent hate groups and finds there is one thing they all have in common: they all use dehumanizing metaphors to instill and propagate hatred of others. With the rise of populist and far-right political movements in the 2010s, the use of dehumanizing metaphors to engender hatred of foreigners or of those who are different in some way has spread worldwide.
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DISATSER INSURANCEFlorida’s Home Insurance Crisis Isn’t Going Away
By Jake Bittle
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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DISASTER INSURANCEFor Beleaguered Homeowners and Their Insurers, the Fire Next Time Could Be a Flood
By Felicity Barringer
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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DISASTERS’ COST2022 U.S. Billion-Dollar Weather and Climate Disasters in Historical Context
By Adam B. Smith
2022 was an intense year of costly disasters and extremes throughout much of the country. 2022 tied 2017 and 2011 for the third highest number of billion-dollar disasters. 2022 was also third highest in total costs (behind 2017 and 2005), with a price tag of at least $165.0 billion. This total annual cost may rise by several billion when we’ve fully accounted for the costs of the December 21-26 Central and Eastern winter storm/cold wave.
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CLIMATE & DISASTER INSURANCECoughing Up Billions of Dollars to Save Florida’s Insurance Market
By Jake Bittle
In the three months since Hurricane Ian struck Florida, the state’s fragile property insurance market has been teetering on the brink of collapse. The historic storm caused over $50 billion in damage, and dealt a body blow to an industry that was already struggling to stay standing: Several insurance companies had already collapsed this year even before the hurricane, and major funders are now poised to abandon those that remain.
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