How climate change is reshaping home insurance in California — and the rest of the U.S.

As climate change-related hazards intensify, the insurance industry is recalibrating its approach to high-risk areas. California, Florida, and Louisiana are states that have experienced numerous mega storms and wildfires in the last 10 years. The enormous pay outs threaten the solvency of insurers, who are either restricting their portfolios or are even leaving these states. This issue is being felt in many places nationwide. Learn more about these trends and strategies to keep insurance viable in this article: https://www.npr.org/2025/01/14/nx-s1-5251632/california-fires-home-insurance-climate-change by Natalie Escobar, published on January 14, 2025 on the NPR.org website.